I suggest they talk with their loan officer first. Then check FICO's websites. Pay bills on time, and don't make any new purchases on credit or open new accounts without checking with loan officer first.

Talk to a credit repair expert - not a "fly by night" operator

Pay your bills and talk to a credit repair expert.

I don't. I send them to a professional. I don't want to give out bad advice.

Peter - Talk to their lender, or a lender that I could recommend.

Talk to my lender, he will have some GREAT advice! 

I would refer them to one of my favorite mortgage loan officer who would advise then after running a credit report and discussing their situation.

Pay credit cards down to a small balance. Stop charging. Pay on time and have at least 3 lines of credit.

Peter,

I would suggest they speak to loan officer first, and get advice from them.  A

Ummmm...Stay the Hell away from a "credit counselor." This is where the subprime guys went to die....I've had to undo a lot of the damage these types do to a consumer's credit report. Any loan officer that has survived for 10 or more years in the business ought to be pretty good at credit improvement. I probably do more rescores than most, since I hate submitting files with hair on them.

• Paying down balanes--not paying them off completely
• Removing collections
• Putting balances on credit cards that have $0 on them (yep, this works real well--small balances though).
• Occasionally, opening a credit card or two for those that don't believe in them. You then have to age them 12 months before they become credit worthy

A few ideas that can really make a big dfference...

I leave that to my well qualified lending partner, John Meussner ... he has helped many clients with "get well" plans for their credit. 

I send them to our preferred lenders and let them take over in that dept.

stop spending money and start paying down those balances, asap....

PAY ON TIME

A lot of time it's lowering credit utilization percentage.  Paying down from each balance to 30%.  Not paying off one card and still near max on two others.  

credit counseling

Talk to the  lender. Figure out what you need to do and have a plan. 

paying down CC balances if you have any and always always always paying bills early or on time.

Peter Mohylsky Set up a meeting with a CPA.

Have them be in touch with a lender..like Joe Petrowsky ..he will help them solve the problem with expert advice!

Call a credit counselor 

Boom-a-rang back to Mom & Dads.

SAVE YOUR MONEY

Pay down a much debt as possible.

Call me in a year.

Get them with a lender, first and foremost.
In general . . . first, go over your credit report regularly, to make sure it's accurate. Get what isn't, fixed.

Pay more than the minimum, ahead of time.
Pay off additional debt that's screwing up your debt ratio.
Quit buying stuff you don't need on credit!
If you're buying a home, and you've been renting, you need RESERVES beyond your DP and CCs . . . start thinking like a homeowner NOW.

I would refer them to a trusted lender.   

Pay on time, get your balances below half of your creidt limit ad check your report for mistakes and dispute them.