<br/>Bad credit can really detour your plans for your life in irritating ways. You may find yourself boxed with fewer choices when it comes to financial freedom. There are a few things you can do to improve and protect your credit. <br/>One of the biggest stressors can be bad dealings with debt collection agencies. Consumers can try to use a cease and desist letter if an agency is harassing them, but their usefulness is limited. Even though these letters will stop the phone calls from collection agencies, the individual is still responsible for paying the disputed debt. <br/>If you want to fix your credit avoid companies claiming they can remove all of your issues, even those properly reported. This information can stay on your record for about seven years. It is possible to have erroneous information removed from your report, however. <br/>In order to fix your credit, create a plan to begin eliminating your debt. If you have delinquent debt, your credit score will be affected until you pay it off or seven years pass, whichever comes first. Set up a realistic budget and put as much money into paying off your debt as possible. Being free from debt will enable you to raise your current credit score. <br/>If you want to repair your credit but do not qualify for a regular credit card, consider a secured credit card. Most likely, you will not have a problem obtaining this type of card, but you must add funds to the account before you make any purchases to assure the bank that you will pay. Responsible use of any credit card can help your credit rating. However, never forget that irresponsible use will get you in trouble every time. <br/>It goes without saying that if your credit is poor and needs repairing, you need to start from the bottom and build. Prepaid or secured credit cards can help to rebuild your score without late payments or going over your limit. By doing this you will be proving to potential lenders you are credit worthy and capable of paying money when you are required. <br/>Keep your credit cards in your wallet. Instead use cash for all your purchases. If the purchase you're buying is more than you can currently afford you can use a credit card, but pay it back as soon as possible. <br/>Your credit score will get damaged each time you open another line of credit. When you are offered a credit card when checking out at the store, fight the urge to get one to receive the discounts that are offered to you. Credit scores are adversely affected by opening a store credit card, because of their high interest rates. <br/>Following these simple tips can help you get on the road to repairing your credit and keeping it healthy. Having a solid credit score can impact many important purchases that you make, so taking time from your busy schedule to read up on this subject is always a good idea.