Expert, localized Los Angeles answers provided by Heather Roy

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Improving Credit Score

  I'm planning on purchasing a home within the next year, but I need to work on my credit score to qualify for the best possible loan. I've heard about credit repair companies that guarantee an improved credit score after 3 months. What have you heard about this industry?
 
  Nothing good.  Stay away from them.  Pay all your bills on time, as soon as you receive them.  Don't borrow anywhere near the maximum on any of your cards.  Those are the most useful things you can do at this point.  Good luck.
    Edith
Originally published on February 28, 2008
 
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