Anyone have any experience or ideas to fix my own credit?

[Bill Lundberg]

Originally Posted by Saul Good

Assuming that you have a few bills in your name, you should be fine if you clear up any outstanding issues and keep your nose clean for a year.

You may already know this, but just to clarify. Just having bills in your name does nothing for your credit score unless they report the payment history to the credit bureaus. Most of your everyday utility bills don't report unless you've been sent to collections.