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Is there any kind of service I can pay for that can give general advice on my credit circumstances? I'm a solid year and a half into rebuilding from ruin (consistent payments on a secured cc from my bank the whole time), I keep my credit utilization usually under 10% but pretty much always under 30%, I've gotten all but a few old collections accounts taken off, etc etc but.... My credit score really isn't going up very much. I have a few questions about my credit and am just looking for some educated guidance about the best things to focus on going forward and what kind of options I may have open to me at the moment. Thanks in advance for any info or insite anyone can provide!