Your first step should be completely paying off the debt with the highest interest.

1. Tips to Improving Your Credit Score
Have you been suffering from poor credit
for years? These days, many people have
had tough financial challenges that have
killed their credit score. However, there is
hope! Read on for some tips on improving
your credit score.
To accomplish getting a better rating on
your credit, pay down the balances of your current accounts. Your credit score can be raised
just by reducing your balances. FICO will base your score on what percent of your available
balance is in use, so keep that in mind.
Credit counseling can be a sound first step if you are seeking credit repair. If you are willing to
learn, you will walk away capable of paying your bills each month and still keeping a bit in your
pocket for fun. You have to have plan, and be willing to cut up your credit cards; also be
prepared to make monthly payments to your creditors.
Look at your credit report and see if there are any missed payments or outstanding debts
recorded. Ensure there are no mistakes and start to work on those items that are correctly
listed. Your first step should be completely paying off the debt with the highest interest.
Meanwhile, keep up with the other accounts, even if it's just the minimum payment.
If you're trying to fix your credit, be sure to check all your negative reports carefully. You could
find mistakes in dates and other factors which can cause the whole item to be removed from
the report.
Paying off outstanding balances is the fastest way to repair your credit score. If you still have
unpaid debt, repairing your credit will be a lot of trouble.
A terrible credit situation would be having many different debts you can't afford to pay back.
Make the minimum payment on each of your debts and use any leftover money to concentrate
on paying off the highest interest debt. Even making the monthly minimum payment will keep
the creditors at bay, and stop them from hiring a collection agency.
When you have a good credit rating, you will be able to easily get a mortgage loan. Paying
mortgage notes on time will keep your credit scores high. Owning a home gives you secure
financial assets. If the need arrives to obtain a loan for any reason, this will be a valuable asset
for you.

2. Before using a credit repair lawyer, it's important to research them completely. Although some
can be quite legitimate, others have motives that are less than kind. Some are simply
fraudulent and are out to get your money. You should research any credit repair service you are
considering prior to initiating communications with them.
Any time you establish any payment plan with any creditor, make sure you get it in writing. If
the creditor tries to change the agreement or if it the company is sold to someone else, you will
have documentation to support your case. You also want it in writing if it gets paid off so you
can go ahead and send it to credit reporting agencies.
Lenders are not likely to include the statement in their decision process. If anything, it will just
hurt you as it will draw attention to the negative event.
Start paying your bills in order to raise your credit. It is key that you pay them on time and in
full. Do the best that you can. Getting rid of past-due bills will have a fast and dramatic effect
on your credit score.
You can use the following advice to improve your credit score. The helpful tips help stop your
credit score from falling and make it go up instead. Find more information at
http://3creditscore.com/credit-score.