Step 1:
Know Your Numbers
Step 2:
What Impacts Your Numbers?
Step 3:
How Do I Fix My Score?
Step 4:
How Long Will It Take?
Get your credit reports and scores
1. Payment History
      2. Amount Owed
      3. Length of Credit
      4. Types of Credit
      5. Credit Inquiries
1. Pinpoint Credit Score Killers
2. Clean up your credit report
3. Start some positive credit history
Late Payments, Repos, Foreclosures, Short Sales, Collections, Judgments, Tax Liens and Charge-Offs will take 7 years