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My Fico was 479 in Aug 2016. i took few steps and now it 638.
1. signed up for Lexinton Law Firm
2. ask my freinds to add me as an autherized user. keep their cards, just put my name.
3.paid off whatever possible
Good things do happen, just stay positve and keep on trying
GoodLuck
They try to remove anything negitive on your credit report. i had 61 negitive record on my 3 credit reports and they are successful with 39 removals in 6 months. They were also able to remove accurate stuff from my credit report too. i didn't belive it until i sign up but they are realy good.
They remove negitive on your credit. but if you want to improve your utilization, you need higher credit limit. you can still talk to them since first consultation is free.