IF anyone has any questions relating to credit, and the building of credit... i felt since it somewhat is applicable to finance, a thread should be started.
Dont pay a company to repair your credit.. do it yourself. (if its somewhat minor.. if you have 100s of thousands or a bankruptcy etc, then a professional will be better lol) This is just for ppl to increase their credit score or have questions.
If you have questions ask.. im sure there are people here besides myself who know quite a bit.
** on a market perception.. consumer credit is picking up, APRs are however going higher, and the offers are dwindling in terms of duration.