If you had a powerful and secure computer program to help you to improve your credit scores wouldn't you use it? If you were able to access your credit reports 24/7 in the comfort of your own home, wouldn't you do this? Have you looked at your computer report lately? Do you really understand all the symbols and the gobble goop that makes up your final score? Of course you don't and you're not supposed to be able to. Like the big banks, confusion is a key weapon to keep you in the dark.