Clean up your credit

Below is a helpful article about cleaning up your credit.  I also have software that can help determine what you need to do to increase your credit score.  There are a lot of new changes coming that will help the borrower.  They will be changing the way they distribute your payments when you have low interest rates such as 0% on part of the balance and a higher rate on another part.  Currently your payment is applied to the lower interest rate which is a crime.  They are supposed to be changing it so that half of the payment goes to the lower rate and half to the higher rate.  They will also be changing how they calculate interest.  An example of this is if you have a $800 balance, you pay $750, they currently charge you interest on the full $800, and that is supposed to change to where you are only charged on $50.

 http://www.kiplinger.com/magazine/archives/2009/02/clean_credit.html