How can I improve my sub 500 credit score?

I would like to improve my horrible credit score so that I can buy a house for me and my wife.

Public Comments

1. time and paying all bills on time every month.
2. First this is going to take time but it can be done. Pay your bills on time is number one. If you have credit cards pay them down to 30% of the limit. If there are write offs, or derogatory items that is more of a problem, there is the possibility of talking with the debtors arranging payment if they will remove them from your rating but the chances are not that good. Good new is they only stay on your report for 7 years. It is a hard long road but it can be done
3. Credit repair is the only immediate way. I am a credit repair specialist and improve peoples scores on a daily basis so that they can get a home. I work with a lawyer and mortgage broker. You can do it for free or you can pay someone to do it for you. Learn how to do it for free if you have the time. Start here:
4. Make sure everything on your credit report is paid, and keep paying on time..
5. Having a good credit rating, helps a consumer get a loan or credit at better rates and for larger amounts.To know "How to improve credit rating, credit score" plz follow link- http://www.acreditlibrary.com/improvecredit.html