The credit report companies like Transunion, Equifax and Experian don't want you to improve your credit report. I just discovered on Commission Junction that if you own a website that has information on how to repair your credit, you are not allowed to have a credit puller on your website. Seems crazy but it's a fact. Big business has no interest in you having good credit. The better your credit, the less money they make off of you. Who do you think is pulling the strings on this one. The man just wants to keep you down.