Credit Score Management

I want to raise my credit score and get rid of a few items on there. I read about repair services. Do they work or will it be a waste of my money?

I want to know how do they determine the credit score point system. I know what is credit and how it works. But I want to know the numbers part like if someone runs your credit report it takes off 2points from your score, another is what if your late on your payment how much does it take off then and if I have a loan for a certain amount does that mean I get a huge score or a low score? I have some ancient accounts (5yrs ancient) that need to be paid off but if I do pay them off will it really make a difference on my score? Next thing you know I pay them off and then my score only goes up by 4 or 5 points or will I even get a point. What would be the purpose then? At the same time if creditors do look at my report yes it would show paid off but the history would still show that I was delinquent for 5yrs. Whose gonna want to give me a loan any ways? Basically what is the point system and how is it calculated? Let me know so I can start to repair my credit. Much thanks and I appreciate it!!!

Credit is terrible, can any one tell me if credit repair services really work.

i want to know what credit repair company will help my credit score go up legally.

i have had terrible credit in the past and have being paying off most of my debts i am finally getting my head above water but everything i apply for even a switch card is being refused help needed! frustration setting in.