<br/>Errors in your credit history report can significantly affect your credit rating which, in turn, can make it difficult for you to acquire new credit. The most economical way to fix your credit is to do it yourself. Research the variety of options you can use to improve your credit rating. <br/>It can be terrible to deal with having multiple different debts that you are unable to pay. Make sure you pay all your creditors instead of limiting it to just a few. Paying at least minimum payments prevents creditors from calling collection agencies. <br/>If you do not want to pay too much, contact your creditors and tell them you will not pay on a interest rate that is astronomical. In most cases, creditors are somewhat limited in the amount of interest they can charge. Keep in mind that you did sign a contract agreeing that interest rates were acceptable. If you plan on suing your creditors, you may be capable of having the interest rates viewed as being too high. <br/>You may be able to get a secured credit card even if your poor credit has prevented you from getting other credit cards. This card will be more than likely be granted to you, however you must fund the account ahead of your purchases as a sort of "insurance" to the bank that your debts will be paid. If you use a credit card well, your credit rating will begin rising. <br/>When trying to rehabilitate your credit, it is important to work with each credit card company you are indebted to. This will help you stabilize your situation and start working towards a better financial situation. It is perfectly appropriate to call and request an adjustment to your interest rate or to push back a payment date if needed. <br/>Make sure you review all of the negative marks against you on your credit report. Errors are not infrequent in credit reports. If you can prove the credit bureau is in the wrong, they should correct the reported error or remove it entirely. <br/>Pay your bill early or on time each month to ensure that your credit score stays good. Each late payment that you make shows on your personal credit report and can hurt you when the time comes to take out a loan. <br/>Do everything possible to avoid bankruptcy. This will have damaging consequences to your credit score for ten years. Though the idea of ridding yourself of debt can sound appealing, the long term consequences just aren't worth it. Once you have filed for bankruptcy, it may become very difficult to secure a loan or open a new credit account. <br/>Any company or credit counselor that claims they can erase all negative reports from your credit history should be viewed with some skepticism. These bad marks stay on your record for seven years or more. But, you should remain mindful of the fact that errors can be deleted from your report. <br/>So, by now it is clear that if you want to raise your credit score, there are a multitude of ways of going about it. The following tips will help you get your credit score back on track. Repairing your credit on your own can work, and it's an excellent way of improving your record.