<br/>Keeping track of who you owe and what you owe can help prevent formation of debt. But now it is time to work on fixing your score for a solid future. To repair your credit, follow the following advice. <br/>Avoid using a law office that claims they can fix your credit. Since many people have credit issues every day, there are now scam lawyers that promise to repair them. They charge large fees, and most of the time the services they provide are illegal and have no worth. Do your research before calling any lawyer for their help. <br/>You may want to seek out credit consolidation programs if you find improving your credit scores difficult. If you consolidate your debts into one payment, it makes it much simpler to budget and track your expenses. You can improve your credit rating by paying your bills on time. <br/>If you are attempting to raise your score with the credit bureaus, but are encountering road blocks whenever you apply for new credit, then open an account with a credit union. Credit unions focus more on the local situation instead of the national one, and may provide more options or rates that are more favorable than those of a larger bank. <br/>This is to keep your credit in good standing. Every late credit card payment can damage your credit score. <br/>Take a look at credit card bills to make sure that every item is one you have charged. Whenever you see any, it will be necessary to discuss the situation with your creditor so that they do not submit negative information to the credit agencies. <br/>You should record any threats you get from collections agents. Find out more about laws specific to your state regarding the protection of customers. <br/>Give your creditors a call and negotiate payment plans for bills that you can't pay in full. Many times, a creditor will let you pay in installments and not report the debt to credit reporting agencies if you just ask. This can help you feel less stressed about an account that is not very flexible. <br/>Credit restoration requires that you begin paying your bills. You should pay your bills in full each month. Do not let them fall behind again and get yourself in trouble. Your FICO score will begin to increase immediately after you pay the bills that are past due. <br/>If you have a poor credit history and can't qualify for a credit card, get a secured card. In order to get the card, you will have to fund the account as sort of an insurance that shows the bank your debts are going to be paid. If you get a new card and use it responsibly, it will help to improve your credit score. <br/>Try paying off your bills to help improve your credit. There is also credit counseling that can help. <br/>In truth, as you will see, credit score improvement is mostly about common sense. Following these simple steps and credit restoration will no longer be a distant dream.