If you are trying to improve your Fico score, you are not alone. The current economic crisis has shattered the financial world of most Americans and has brought a drastic drop in the average credit score. Currently more than 35 millions Americans are struggling with bad debt and the various issues associated with it (turned down mortgage and loan applications, denied employment, high interest rates etc). And most of these 35 million Americans will never achieve a fast credit repair due to these 3 major credit mistakes.