<br/>You can often feel as though you are a victim when you have poor credit. Low credit scores can bring to mind memories of hard times in your life and past mistakes which were made, and these reminders can hinder your progress in moving ahead in life. Fortunately for you, bad credit is not something you have to live with. Here are some effective steps you can take to remedy the situation. <br/>Build your credit back up to repair it. If you use a credit card that is prepaid you can build up your credit and not have any bad credit reports. This approach will indicate to others that you are serious about taking responsibility for your financial future. <br/>Repair your credit efficiently by paying your bills first. Often times credit counseling provides much needed help. <br/>You can work with the credit card companies to start repairing your credit. This will keep you from increasing the amount of debt that you have. You can even ask for help, such as pushing back the due date of your monthly payments or reducing the interest rate. <br/>Before going into debt settlement, find out how it will affect your credit score. Some settlement agreements can actually be bad for your credit score, so be wary and do your homework. They do not care about the effects of what they do to your credit score and are just in it for the money. <br/>It can be terrible to deal with having multiple different debts that you are unable to pay. You should spread out the money you do have to spend so that all of your creditors get a share. This will keep your account in good standing while you are paying down your debt. <br/>If you have poor credit, you should contact your banks to see if they will lower your amount of available credit. Only do this when you are able to remain with a low balance, however. By increasing your limit, you can reduce the ratio between your credit limit and the amount that you owe. <br/>Visiting a credit counselor is a good way to get your credit under control. Reputable credit counselors can help you learn the ins-and-outs of credit score repair and the skills you need to live within your means. Be prepared to buckle down on your spending and to make significant payments every month. <br/>Do not trust anyone who promises you miracle results. Some lawyers have chosen to take advantage of the people who have bad credit by charging a lot of money for things that are useless to their credit or are illegal. Check the reviews and reputation of any lawyer or credit restoration firm thoroughly before you contact them and certainly before you give them any money. <br/>If you want to find an alternative way to pay, you should get a hold of them directly. Creditors are often willing to work with you on a payment plan that does not negatively impact your credit report when you take the time to call them. This can help you get some breathing room. It can also help you pay the bills where you aren't able to negotiate a different payment plan. <br/>Although it's easy to feel like you can never recover from bad credit, it is possible to do so. These suggestions can help you get on track with fixing your credit.