*Loan,banking and credit>>>credit repair

Credit report repair, what does it all mean and what can I do to help ?

Hi,I am working Identiy Guard and it isn't expensive and all they do is provide updates when someone accesses my report and helps me contact issues. But I have settled via attorney 99.9% of my accounts, and like it says I have a credit card open that isn't open. To whom do i turn to get help just to understand it because I want it as clean as possible to raise my FICO score and because it has a lot of errors on it that would help my score. But I just don't understand all of the terminology there ?
Any help or advice, please do not yahoo search and copy site, I need some practical person experienced device. They even say I should open a new credit card account because I haven't had any for 6 years and I need to show I can have one and pay it. ???

you should open an account (credit card, gas card.. etc.) because no credit history is worse than a bad credit history. Having open accounts with low balances is what will raise your score. You dont need to pay a company like "identity Guard" to watch your report for fraud. Each credit bureau will give you a free credit report each year and you can get a free report at www.annualcreditreport.com. You can use one of these every 3 to 4 months to keep an eye on your own report . Go to each of thse sites and use your free report to request a deletion of an account that isnt yours.
www.equifax.com
www.transunion.com
www.experian.com
follow the directions. It is pretty easy to do.

Is this a card that you used to have? Or is it through a company where you've never had an account? If it's the latter, you should be worried about identity theft. It's happening a lot lately to a lot of people. Why don't you call the company that says you have an open account? If you can make them see the error, then maybe they'll call into the credit agency and fix it. Try to find a toll-free number for the company, so you're not charged for the call.
Small steps like paying your bills on time and using only part of the credit available to you. Also use your credit cards for making small payments regularly, so that it is reflected in your credit record. More tips available at http://www.acreditlibrary.com/buildcredi...