How To Repair Your Credit Score Many people these days are in need of serious credit repair. These tips will help you with your credit score, whether you need to fix a major problem or a small one. When you want to fix your credit, the most important thing to do is to request your credit report. This allows you to identify the factors affecting your credit score. There is plenty of free information about credit available online. You cannot put a plan into place if you do not know what circumstances you are dealing with. You should definitely keep in contact with your creditors, finding out which bills can be converted into installments, or set up to be paid later. When you know what bills can lead to higher interest rates, you can avoid paying more then you should. Be sure to make payments on time with any accounts that do not offer a grace period without penalties, and then work on the accounts that are more flexible with payment dates. It is imperative that you analyze your credit report and make notes about negative entries you find in it. When you receive and review a copy of your report you may even find some incorrect items. You will be able to fix your credit if you know what the negative items are. It is crucial that you are educated on debt laws. It's not legal to be prosecuted for refusing to pay a bill, and you also are protected from harassment from collectors. Different states have different laws, so make sure to know the laws in your area. Collectors are not allowed to threaten you. Make sure you are knowledgeable about what they can and cannot do to you. You want to keep your credit card debt at or below 30% of your total available credit. Low balances make you look like less of a credit risk and ensures that you will be able to make the payments in a timely manner. Talk to the collectors about what is going on and they may be able to help you. Most collection agencies are quite open to making a deal. If you blow the collection agencies off, they probably won't work with you later, and may sue you. Tell them you are having trouble and make it clear that you do allocate some funds to delinquent bills each month. The agency may agree to allow you to pay back a reduced amount. Sometimes a deal can be reached in which you only have to pay back half of the initial debt. Work with the collection agencies as best you can, and they will in turn work with you. Those who work at collection agencies are regular people too. With that in mind, many collection officers are happy to strike a deal with customers that are making an effort. If you are looking to improve your credit, use the tips in this article. You can help to improve your credit by following these tips.