Credit Repair Companies

I have a very low credit score with old delinquent accounts. I have heard paying off old accounts is pointless, and will not improve your score. Is there any way to fix credit on your own with out the use of a lawyer etc.

I heard once that getting a credit card and making payments faithfully from month to month improves credit. Is this true, and if so, how can I go about doing this?

This is very important so please give me a straight answer. None of that "the best way to not get bad credit is to avoid it" junk. I know that but it's not going to help if I already have bad credit. So please tell me if there's any way to fix bad credit. Please. Please. Please

I had a Wells Fargo overdraft fees that a collection agency called me for but I had no idea this could ruin my credit because I never owned a credit card. So I paid the debt a day after the collection agency called me but now I am worried I have terrible credit because I no longer get these free pre-approved credit card offers.So is there a quick way I can re-build my bad credit ?

my husband and I really messed up our credit when we were younger now we have 2 kids can't buy a house car or get a credit card! can someone please tell how to go about fixing our credit fast..thank you

What is teh best credit card to get to help fix credit? My Credit score is not good…Like a 550…I Need to get a credit card but no one will approve me! Help!

I have the worst credit in the world. I want to fix it but don't know how to get started. Any ideas?

I have bad credit…I had two accounts each were under 100 and they went to collections…I was stupid when i got my first credit card a few years ago…Now my credit score is a 550…How can i fix it? My collections accounts are closed out and now im just looking to repair. I am married and my husband has great credit…Can he help me inprove it by adding my name to a loan or anything? I heard gas cards approve people with bad credit…? Please tell me ways to improve it and not be scammed! Thank you