Everything you read here is a lie. The only thing that appears to work, is use very little of your credit, pay on time and give it time. All of these agencies work with the banks to screw us. The lower your score, the more interest costs. They have no incentive to help us. And when you talk to them, being nice is a waste of time. In addition, store cards are to be avoided. You can hate banks, but they understand security. I just had an incident with nordstroms that defied logic.
Just remember, all they know how to do, is say they are sorry. They won't fix it or change anything
Robert Cohen
