We educate and counsel our clients on the rules and best practices to manipulate the system to their benefit. Installment Credit lays the foundation for your score. Revolving Credit Utilization is what drives the score upward.
One path is to address the negative items on the credit profiles, and do what is necessary to reduce the impact on credit scores, or get them removed, sometimes without payment. The other path is to establish new positive credit, teach the two rules and appropriate ways to use credit, establish a plan and implement it.