What does it take to have a good credit rating?

It's not complicated. You need to get the bad stuff off and more good stuff on. It can be hard to make those happen, though. I can help. I've helped lots of people, including several girls here, to improve their credit by removing negatives and helping them get more positive lines going. It's a process but it does work, and work well. If you need help, don't hesitate to PM me to discuss what I can do to help you, and to get the process started. I work on trade or for cash. Nobody will be turned away. I hope you will do this for yourself, and your family. Good credit is a very good thing.