Bad Credit Agency

How can I clean my credit report up and raise my score?

Hello, I have copied and pasted my current Transunion credit report below. I have not included my identifying information for obvious reasons! Are there any experts in credit repair that can take a look at this to see what I can do to remove the bad stuff, and raise my score? Thank you very much all. ***FICO CLASSIC 04 SCORE +622 : SERIOUS DELINQUENCY, AND PUBLIC RECORD OR ***COLLECTION FILED; PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON ***BANK REVOLVING OR OTHER REVOLVING ACCOUNTS; NUMBER OF ACCOUNTS WITH ***DELINQUENCY; LENGTH OF TIME SINCE DEROGATORY PUBLIC RECORD OR COLLECTION ***IS TOO SHORT *** ---------------------------------------------------------------------------- C R E D I T S U M M A R Y * * * T O T A L F I L E H I S T O R Y PR=1 COL=3 NEG=7 HSTNEG=0 TRD=21 RVL=5 INST=14 MTG=0 OPN=2 INQ=0 HIGH CRED CRED LIM BALANCE PAST DUE MNTHLY PAY AVAILABLE REVOLVING: $2447 $2400 $706 $0 $30 71% INSTALLMENT: $62.0K $ $28.3K $0 $781 OPEN: $0 $ $ $ 0% TOTALS: $64.4K $2400 $29.0K $0 $811 ---------------------------------------------------------------------------- P U B L I C R E C O R D S SOURCE DATE LIAB ECOA COURT ASSETS PAID DOCKET# TYPE PLAINTIFF/ATTORNEY Z 5087700 10/05R $0 I FE $0 2/06 560167 CHAPTER 7 BANKRUPTCY DISCHARGED R SCOTT BELL ---------------------------------------------------------------------------- C O L L E C T I O N S SUBNAME SUBCODE ECOA OPENED CLOSED $PLACED CREDITOR MOP ACCOUNT# VERIFIED BALANCE REMARKS HP SEARS Y 7568006 C 8/05 $315 15 WEST COAST CASH OUR B900WES0421296227 8/08A CHAPTER 7 BANKRUPTCY CRD PRT ASSO Y 4326001 I 4/06 10/05C $604 BRIGHT HOUSE NETWO OUR 1305048275 9/07A CH 7 BKRPT/ ACCT DIS GRANT MERCAN Y 4441001 I 5/05 $65 MEDICAL OUR 1TRM300051005B4 5/06M CHAPTER 7 BANKRUPTCY ---------------------------------------------------------------------------- T R A D E S SUBNAME SUBCODE OPENED HIGHCRED TERMS MAXDELQ PAYPAT 1-12 MOP ACCOUNT# VERFIED CREDLIM PASTDUE AMT-MOP PAYPAT 13-24 ECOA COLLATRL/LOANTYPE CLSD/PD BALANCE REMARKS MO 30/60/90 FST PREMIER B 41PF018 7/06 $252 111111111111 R01 486955704590 8/08A $200 $0 111111111111 I CREDIT CARD 11/07C $0 ACCT CLSD BY CONSUMER 25 0/ 0/ 0 CNS PORT SVC F 31UC001 10/06 $14.2K 60M370 111111111111 I01 40010916658 7/08A $0 111111111 I AUTOMOBILE $11.2K 21 0/ 0/ 0 FIRST DATA F 85ZN001 5/08 $1872 48M39 1X1 I01 520460280000 7/08A $0 I LEASE $1755 3 0/ 0/ 0 CITI AUTO F 890D30G 7/07 $17.0K 72M372 111111111111 I01 4009907901 7/08A $0 I AUTOMOBILE $15.3K 12 0/ 0/ 0 HSBC BANK B 7991189 10/07 $336 MIN15 111111111 R01 515599000592 7/08A $300 $0 I CREDIT CARD $219 9 0/ 0/ 0 CAP ONE B 1DTV001 4/07 $535 MIN15 111111111111 R01 517805726917 7/08A $500 $0 11 I CREDIT CARD $487 14 0/ 0/ 0

Public Comments

1. Your credit card balances are way too high . Pay them down that's thebquickest way to increase your Fico score.
2. www.creditrepairuniverse.net Learn everything about repairing and/or building credit you can delete the public record, BK.you can delete the collections. It should take you about 90 to 120 days to do all of it. but your balances are to high. If you go to a lawyer they will charge you 1500 to 3000 to remove. 9.99 for all information. The only way to get you ballances down is to open a secured credit car to offset ballances or to get a tradeline about 800 it will cost. Hope I helped.
3. I would recommend 2 things: 1) a very low cost (possibly free) credit repair program to try to have the negative items removed. 2) I would add a tradeline program to boost your score quickly (60 days or quite possibly less). A friend in California used this and got a 120 point bump from 560 to 680. There has been a lot of disinformation by Experian saying these authorized user programs do not work. Check out the source news link for an article from July 30th that has them admitting it still exists. My friend in California went through www.totaldebtsolutionsllc.com and called their toll free# to get the ball rolling. Good luck.
4. Lexington Law Firm deleted negative items from my credit report and raised my credit score over 200 points. Check them out.
5. You should look into compete credit restoration. Here is a reputable company...not a law firm.