7 steps to a 720 credit score  http://www.14daycreditchallenge.com/savememoney/ 
I listened to an hour long webinar  and the written pages at the link is a repeat of his video.
triffid

       Certain major credit card companies make a habit of reporting your limit incorrectly to the credit bureaus. Let's say you have a $2,000 limit. These harmful credit card companies report that your limit is only $500.
           If you carry one of these credit cards, your score will not improve as quickly as if you carry a credit card thatdoes report the proper limit. In fact, your score might drop.
           So how often do you think this happens? Well, there was a Federal Reserve Study recently that told us exactly how often credit card companies report the incorrect limit.There's a 46% Chance This Is Happening to You!

  That's right: 46% of credit card companies report the wrong limit, which means that almost half of the cards that you have in your wallet are probably hurting your credit score.
           Adding insult to injury: These credit card companies are intentionally misreporting your limit!
           This really makes me mad. You've already been through a difficult financial time and let's face it ... You are responsible for paying your bills, but a lot of the responsibility lies elsewhere, doesn't it?
           True, you got in over your head, but the banks and the lenders and even the government had a hand in that... I don't want to get all worked up, but that's the truth of the matter...
           And now the banks—the same banks we bailed out with our taxpayer dollars—are intentionally reporting the wrong limit? How can you ever win?
           Here's the thing: If you sign up for a credit card that doesn't report the proper limit, your score is going to drop. And the credit card companies are never going to tell you that they don't report proper limits. Of course not.
           Obviously, I go much deeper into this during the 14-Day Credit Challenge, but really quickly, I want to tell you why it hurts your score.
           A big part of your score is the balance you carry as a percentage of your limit. If credit card companies are misreporting your limit, it throws your balance-to-limit ratio out of whack, and your score plummets.
           Okay, so in my program, we cover how to fix this and get the proper limit reported.

Let Me Back Up ...
           I know that I keep talking about how credit card companies and lenders often report the wrong information, so let me back up and explain why this happens ...
           There are several reasons that mistakes get added to your credit report. Sometimes it's in the bank's best interest.
           For instance, it's in a bank's best interest to report the wrong credit limit because doing so causes your credit score to drop. This means you are less likely to get a better credit card offer in the mail and switch credit cards. This is bad news for you, but it is good news for the credit card company.
           And there's another reason that mistakes are added to your credit report.
It's a Nasty Secret
           The credit card companies never check to make sure the information they report is accurate. The burden is on you. They can make a million mistakes, and you are the one who will spend time correcting these mistakes.
           It really ticks me off, and I bet it ticks you off, too. Here is the reality... when you make a mistake with your credit – you pay more.
           Here's the kicker. When they make a mistake with your credit report... you pay more!
           It's a win/win for the banks... a lose/lose for you!
  And mistakes happen all of the time. According to the United States Public Interest Research Group, 80% of people have an error on their credit report.
           80%!

Now you can see how broken this system is.Its so evil!Banks and credit card companies and the government is in on it too!So we the people are fat gooses only to be plucked and stewed in our own juices by the banks and our own government!triffid