You have to assess why your FICO scores are inadequate before you begin to improve your credit. Come into possession of a copy of your credit report and evaluate it for errors and unfavorable notification that will account into the lowering of your credit scores.

Look for inaccurate information when reviewing your credit report. These errors could be that of a delayed payment when there never was, or even the report is showing that your balance is beyond your limit. Derogatory information that is detrimental in nature and true.
Information like this is generally delayed payments, charges of accounts, judgments and bankruptcies. These will drag you credit score down quickly.

After finding these unfavorable accounts, you have to make a list of them so they are sequestered from your good accounts. Arrange these accounts by listing the oldest accounts first and the newest after that.

Afterwards, you need to put into writing a credit disagreement letter for the first two accounts to each credit division that is telling negative information on this account. This is essential since there are three divisions. These divisions report differently so you have to make sure that you are not delivering a disagreement letter to a division that is not reporting negatively about you.

The purpose of this is basically communicating to the divisions that you do not cohere with the information they are reporting. The letter should have your account number, your name, address and social security number. Also state the grounds you do not agree with the account information.

The divisions under Federal Law must examine thoroughly this information with the original lender as soon as they received your letter. If the original lender cannot specify or provide proof of the information then the divisions must take out the item. As soon as the negative item is taken away from your report, your credit scores should develop and your credit should be repaired a little bit.