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jane d wants to know:

There is no type of credit repair that a person cannot do themselves, however it takes a lot work, and a lot of follow-up work.

Would you pay a person to clean up your credit (if its bad) and do all of the leg work, legally?

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achyled wants to know:

I’ve heard both… my teacher said having a lot of credit cards will lower my score. But I also read that part of your credit score is based on the formula

how much you owe/ total credit , so in that case having more cards would be better. I have 7 cards and I only use 2 of them. Should I cancel my other cards?