How can I raise my credit score by 100 points?

There are several people selling books that tell you how to raise your credit score by 100 points very quickly are these for real or a scam?

• Answer:

  A substantial opportunity exists for selling information. "How to" books, ebooks and other types of publications are a cottage industry. It is not unusual for a professional to spend several hundred to several thousand dollars to learn one new piece of information in their field. So it would be narrow-minded to call any self-credit-repair book a scam. If you learn something from the book, you are receiving value. That having been said; there is NO ONE who can guarantee you an increase in your credit score. The Fair Isaac Company, who developed credit scoring software is extremely secretive about the exact working of scoring, how one factor interacts with another and so forth. Even an estimate that a professional would give is based on emphirical data and is at best, a guess. Credit scores are based on ALL the information showing in your credit file at the time they are calculated. There ARE some general strategies to improve credit scores. Those apply with equal force to all consumers. Much of the information about credit repair and credit scores can be found online, for free.