1) Know Your Current Credit Score
Without knowing your precise current credit score you’ll find it hard to know exactly how much you’ll need to improve your score by. Ordering a copy of your credit report from one of the three major credit bureaus right away. Once you know your exact credit score and any negatives on it you can begin fighting some of the charges. You get a chance to receive a free credit report every year from each bureau and also any time you are denied or receive credit. You might even find that your score is higher than you thought.
2) Repair Credit Errors
Did you know you can legally dispute any wrongful errors listed on your credit report – and you’re allowed to dispute these yourself. You don’t need to pay expensive fees for credit repair companies to remove these for you.
Search the internet for “credit repair letter templates” and then write to the credit bureaus yourself.
3) Negotiate
If you’re all ready behind on any payments or bills, then don’t be afraid to call your lender or credit company. Ask them if you can negotiate for extended payment dates and discuss ways to reduce your payment costs by either finding about about lower interest options or refinancing and consolidating to help make meeting payments easier.
4) No More Credit
If you’re trying to improve your credit score then don’t apply for any more credit and don’t keep using the credit cards you already have.
If you can show a positive reduction on your existing balances – even if its only a few dollars a week – then your score will gradually increase as your total debt to credit ratio will begin to improve.
No more credit!
5) Pay Off Outstanding Debts
You’ll be surprised how willing most credit companies and banks can be when you call and discuss positive options. They do understand that everyone has moments where we all fall behind and they will be happy that you are trying to catch up.
6) Arrange Payment Plans
There is absolutely no point in offering to pay off your past debts at $1,000 a week if you know you cant keep up those payments. Make sure you arrange for realistic payment plans that fit into your budget are will be manageable to keep up with.
7) Create New Spending Habits
If you’re looking for ways to repair bad credit then obviously repeating your spending habits from the past are only going to get you into deeper financial trouble.
Learn to allocate the money you receive from your pay check each week a little differently. Prioritize your repayments and your bills and make sure you’re keeping up with the important things. The longer you keep up a great repayment history, the higher your credit score will be bumped up over time.
Professional Assistance
If you’ve reached the point where your credit is already too bad to consider simple credit repair tactics, then maybe its time to seek professional help.
Professional credit counselors and debt management companies can help you to work around your existing issues and get you back on track.
Never be ashamed to ask for help. Listen to what advice the professionals can offer and make sure you act on that advice.
Former bill collector showing people how to reduce debt and how to handle threatening bill collectors. 
Thank You for A Good Post! I heard My Free Credit Report is a great website to acquire my free credit report and get the score for free. Has Anyone else tried it?
awesome article thx!
awesome stuff, cheers man
Excellent. Thanks so much for the post. -Kate
We have been unemployed for 6 months now. We have been struggling for years, even when working fulltime. Just living paycheck to paycheck. We have tried to pay down as much debt as we possible can, but now with no job we come up 700.00 short every month to just pay our bills. It is not working any more. We tried short sale, but with being 65,000 over what the house is worth, they won’t even bother with us.
It is great to have the chance to read a good credit and finance blog with details on topics that plenty are interested on. The point that the credit data stated are all first hand on live experiences even help more. Keep doing what you do as we like reading your work.
Interesting way to maneuver through a tricky credit system
appealing little title, Hehe
A fine look at this you’ve gotten, whereas I do not go along with almost everything that’s been explained I can see your case.
Credit cards should be thrown out – along with all the payments – I can’t believe people still fall for this ruse. Especially that the credit card companies are illegally creating money… and according to the laws in the US, only the US govt can create money.
If a credit card company can issue you $5000 in credit – do you think they take $5000 and simply place it in a trust account….nope – hence – they are creating money!
Specifically facts which i had been seeking. Very well put too.
Just wanted to say you have a great site and thanks for posting!
I really enjoyed this post. I can tell you put in a great deal of effort and time into this post. I will be back to read more as you post more!
I wish more people would write blogs like this that are actually fun to read. With all the fluff floating around on the net, it is rare to read a blog like yours instead.
Totally digg your website thanks a lot for the info
My credit score last year got lower because i have some unpaid bills on my credit card company and i also lost my job.
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