It has been my experience that the best way to add good credit is to exercise your credit. CreditWorks has been helping people since May 1996. We pay 19.47% APR to our members, use your credit and pay down your debt with our money. This is not an overnight method, but it is legal and rewarding. Try it with one membership, the cost $1000, you will receive 11 checks of $100 for 11 months. Some participants have gotten offers with lower rates and higher limits before their loans have been paid off. Please visit http://www.creditsense.com or e-mail me with any questions. http://www.creditsense.com