Thanks for your write-up. I would also love to comment that the very first thing you will need to accomplish is determine if you really need credit improvement. To do that you have got to get your hands on a replica of your credit report. That should really not be difficult, because government mandates that you are allowed to acquire one free of charge copy of your actual credit report annually. You just have to request the right folks. You can either check out the website with the Federal Trade Commission and also contact one of the main credit agencies right away.