I want to improve my credit score Steven but what is the first step?

Before you can fix it, you first need to see what the bureaus are seeing on your report. You can’t fix what you can’t see. I get asked all the time where I go online to get my free credit report. Go here, GoFreeCredit.com. I’ve used them for about a year now. They offer reports from all 3 major credit bureaus — TransUnion, Experian and Equifax. There graphics are easy to read and best off all tell you instantaneously your score. Check these guys outs.