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  We talk a lot about the length of time it takes to get things off your credit report, of not falling into the trap of trying to chase after instant gratification--seriously, grab a candy bar it’ll do a similar trick--and we also talk about being realistic. Looking into ways to raise credit score 100 points overnight is really not part of actual reality. You may end up with a 100 point (or more) jump if you do things right, but it won’t be overnight. People call us all day every day asking how they can get into a better…

Let’s see if this scenario sounds familiar. You haven’t looked at your credit for quite some time, and like getting a test you really don’t want to see the score to, you avoid it, hoping that by ignoring it, it will either go away or not matter, but as in all little problems, if you ignore them too long, they can become monsters that hinder your life. There are all sorts of resources online that tell you how to improve credit scores, but the question is how do you know which ones work, and how do you know which ones…