A bad credit score is a source of stress. A bad credit score can be particularly irritating if it constantly reminds you of the bad mistakes that caused the drop in your credit score. Rebuilding your credit is a challenging process, but it can be done. Get ready to rebuild your credit with the following proven tips. Try not to use your cards at all. Use cash to pay for things whenever possible. If you have no choice but to use a credit card, always pay the balance in full each month. Do not spend more than you can afford. If you've been living outside your means, then get ready for a reality check. Getting credit has never been easier, making it just as easy for people to buy items they simply can't afford. This, though, comes with a hefty interest price tag. Examine your budget, and figure out how much extra money you have to shop with. Any credit cards that have balances over 50% of your limit should be paid off until they are less than 50% of your limit. If you have a balance that is more than 50 percent, your credit score will drop. If you can, pay the balances on your cards; if not, do your best to pay as much as possible each month. This is the first step toward having an A+ credit rating. Late payments affect your credit report. Also late payments might prevent you from obtaining a loan should you need it in the future. Be aware that threats made by a bill collector are illegal. It is important that you are knowledgeable of the laws designed to protect the consumer. On the way to a better credit score, some people might pressure you towards unaffordable payment plans or lump sums settlements. Understand what your budget is, and don't go over this. If you make promises you cannot keep, you will be back in the same problem you are now. Keep track of all the info on your credit report, so you can file a complaint if the report has errors on it. Make note of every call or letter you send or receive. Send dispute letters by certified mail so that you have a paper trail proving you sent it and the credit reporting agency received it. The first thing you need to do before beginning to repair your credit is outline th steps required to do so, then follow those steps without deviation. You need to change your past habits and build new, better approaches to credit. Pay cash for things, and cut out unnecessary expenses. You should only make a purchase if it is necessary and it fits in your budget. If you desire to fix your credit, create a plan on how to go about paying your debt. Your credit score is damaged by large amounts of existing debt along with a history of late payments. Develop a budget that realistically reflects your situation and try to devote as much of it as you can to paying down your debts. If you don't have any debt, your credit score will be higher. The following advice will help you get back on the road to repairing your credit. Most importantly, you want to have a consistent plan and stick to your commitments. Rather than worrying constantly about your credit, start rebuilding it!