In my case, I had no negative items whatsoever but my credit utilization was very high (90%) and that prevented me from having a good score. Credit utilization is the ratio of your outstanding credit card balances to your credit card limits. It measures the amount of available credit you are using. I needed a professional credit repair contractor to help lower my utilization and boost my score up. I read some very interesting reviews about Fix My Credit so I reached out. Well the better news is that they cleared my credit card balances and increased my credit limits, my credit utilization decreased from 90% to 5% and my credit score went up to 798. The best news is I got a new home and I’m grateful to them. Here’s contact info; ( FixMyCredit at WriteMe dot Com ).