My daughter called me last week to ask for help with her credit report. Checking it, I see she has one credit card. One. Most people has 7. Her credit report score is over 700 as reported from all three credit reporting companies. Again, she is in the minority in today’s economic climate.

What then does she want to do?

With one credit card in good standing and high credit scores, she wants to purchase a home, however she doesn’t qualify.

I told her she doesn’t qualify because of income and job history, not because of her credit. Getting another credit card as she suggested, is not the answer. In her situation, scores will not increase very much and the best she could do is to charge more on a monthly basis and pay the balance in full.

Did I really say to Charge More?

I must be crazy to advise anybody to charge more to their credit card because I honestly believe credit card debt is the ruin of families and society. In her case though, it is a good solution. As long as she pays her balance in full every month.

Everybody is different when it comes to credit card debt and credit scores.That’s why it is so important to have your file in front of you when you are making credit decisions. At Annual Credit Report, a service set up by the credit reporting companies, you can get a copy of your report, but you have to purchase your scores. This is just another way to extract money from you.

People need personalized attention according to their unique situation.

To increase credit scores you would be much better off getting a personal credit coach. Someone who can personalize a program for you to get debt free. Someone to dispute reporting errors. Someone to evaluate your credit report and make suggestions about what to pay and how much to pay every account.

You would be right if you thought this coach would be very expensive. I am not talking about credit repair companies and certainly not sending you to a debt consolidation company. I do suggest though that you check out the best on line credit coach I’ve ever seen.

The AVAIL Credit Coach is hands down the best choice I’ve ever seen. You get an online, secure connection to your credit report and you get your scores. No extra extortion fees. You get the opportunity to have dispute letters addressed and written for you. You get debt elimination plans and you get a 90 day update as you make changes, file disputes and update your scores. There is a video explaining all of this.

I’ve personally used AVAIL when I was going through a rough time and I raised my scores over 200 points in 90 days. It’s the best on the market today and nobody should pay thousands of dollars when this sophisticated Credit Coach is available for $299 for an entire year. Go get it.