marrilaida,

You can dispute things that are on your credit report that shouldn't be there (such as identity theft, fraud, etc.).

You cannot, or should not, remove things that actually belong there such as your old credit card accounts, current open accounts, delinquent accounts, late payments, and other adverse reporting.

IF something is reported in error, you can dispute it. If the company reporting the error cannot prove that it's legit, it will be removed from your credit report.

Please try to avoid any "Debt Repair Kit" type products.. they make bold claims without any basis for their claims.

The best ways to improve your score is to pay your bills on time and keep your balances far away from the maximum. Over time.. the score will rise.

I would like to hear what others have to say about raising your credit score...

That was such a great help David. Now I know what to do. My gratitude to you.

Don't know what you mean by delete your credits. But if you completely cut out your credit borrowing, you will cease to have a credit score. I think the time limit is 10 or 15yrs with no borrowing and your credit score will be "N/A", so I wouldn't recommend deleting all of your credit purchases.