So not as bad as thought and now in January it is 638, so 50 points higher.  My credit was much worse a few years ago, but I think several years of being married and being a parent has helped.  I have been a little more responsible and have piggy backed on my wife's credit a little bit.  My wife's average credit score is 680, so quite a bit better, but can still use some improvement. 

I have researched a few options on what we think would be the best options to raise our credit score.  The leading credit repair company in the nation is Lexington Law Firm.  They have removed a lot of negative items and seem very legit.  I will be working with them on removing our negative items.

I'm not an expert, but I have done my research.  I will be following the advice of the best credit repair guide I have found.  They seem to know their stuff and we intend to follow it.

I have listed some scans of our scores on our 700 credit site along with some of the credit report pages.  Wish me luck.

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