815 Credit Score I want to do it right

[bizzon]

I have SSN, dob, mmn, enough background data to have pulled a freecreditreport.com and a creditkarma.com
One of the better profiles I've ever seen, not that I've seen that many.
And the kicker is is that they live maybe 20 minutes away from me.
I'm in a tight spot in life right now and I want to make this count if at all possible. I don't need to be rich from it but I'd like to get more than just a couple hundred.
Last time I messed with something like this was in 2007 and they didn't have all the text verification that they do now among other new security measures.
If anyone has some advice I'm all ears.