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credit report repair, what does it all mean and what can I do to help ?

Hi,I am working Identiy Guard and it isn’t expensive and all they do is provide updates when someone accesses my report and helps me contact issues. But I have settled via attorney 99.9% of my accounts, and like it says I have a credit card open that isn’t open. To whom do i turn to get help just to understand it because I want it as clean as possible to raise my FICO score and because it has a lot of errors on it that would help my score. But I just don’t understand all of the terminology there ?
Any help or advice, please do not yahoo search and copy site, I need some practical person experienced device. They even say I should open a new credit card account because I haven’t had any for 6 years and I need to show I can have one and pay it. ???

you should open an account (credit card, gas card.. etc.) because no credit history is worse than a bad credit history. Having open accounts with low balances is what will raise your score. You dont need to pay a company like “identity Guard” to watch your report for fraud. Each credit bureau will give you a free credit report each year and you can get a free report at www.annualcreditreport.com. You can use one of these every 3 to 4 months to keep an eye on your own report . Go to each of thse sites and use your free report to request a deletion of an account that isnt yours.
www.equifax.com
www.transunion.com
www.experian.com
follow the directions. It is pretty easy to do.

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