<br/>It is easy to lower your credit, whether it be with shopping sprees or having too many credit cards. You are in luck, though. These tips will help you get your credit score to that mythical 850. <br/>Determine a way that you can settle all overdue accounts using affordable time payments. These accounts will still appear on the credit report, but will be showed as paid. This shows future creditors that you made good on your debt. <br/>Don't get involved in anything that could get you arrested. Creating a new credit score or using a different identity seem like easy solutions but bad credit is not worth taking this kind of risks. These scams are not legal and there will be repercussions. Legal ramifications can cost a lot, and you may go to jail. <br/>Do not agree to any debt reduction plans that you cannot afford. Watch your budget and avoid over-extending yourself. If you are unable to take care of your financial promises, you may find yourself in a worse situation than you were in originally. <br/>Paying off outstanding debt is the easiest way to raise your credit score. As long as you have unpaid debt remaining in your name that you are not aggressvely paying off the situation will only continue to become worse, and this will not help you! <br/>Get out of debt. The creditors look at the total debt and how they relate to your earnings. If your debt levels are unusually high for your income, your credit score will suffer. Most people can not immediately pay off debt, so it is best to make a plan and stick to it. <br/>You need to pay the minimum payment due on your credit cards each month if you are working on repairing your credit. If you make a late payment, the credit bureaus are notified, and it doesn't reflect well on you. You should be seen as responsible if you make the minimum payments required. <br/>Your credit score suffers each and every time you make the choice to get a new credit card or line of credit. Don't be tempted to get a new credit card even if it promises you discounts at stores. You credit score is going to drop immediately after opening that new line of credit. <br/>Making your payments on time shows lenders that you are serious about maintaining good credit. Anytime you don't make a payment on time it can damage your credit and it can be hard to get a loan anywhere. <br/>There are secured credit cards available if your credit rating is too low to open up a regular credit card account. You are more likely to be approved for this type of card because, once funded, the banks feels secure that you will pay them back. If you show a good history of payments with this card, it will help improve your credit standing. <br/>Addressing a bad credit report might seem daunting at first, but if you learn the tricks and stick to the process, you can improve your credit dramatically. Use the information gleaned from this article to fix your credit and improve your life.