Even if it is not an accurate representation of whom you are. Maybe you had a rough patch, and you are trying to get through it. Maybe you are making up for a past mistake. Whatever the reason, we have compiled a list of the top 5 things that you can do to help fix your credit score ratings.

·         The first step in knowing your Credit Score's is to order your credit ratings. Find a site that will provide you with a free credit score. There are three different companies that rate your score. These are: Equifax, TransUnion, and Experian. All three will probably be different. Not everything in your credit history gets reported to all three. If for some reason you are being denied from something based on your credit, you have the right to receive a free copy from them.

·         After you receive your reports, make sure you examine them carefully. This may seem anal to you, but it is necessary. Make sure that all dates and information are correct. Errors can happen. Your information is not verified by the reporting agencies so there is a chance that your lender made a mistake. If it is necessary, contact the creditors and get them to investigate the mix up.

·         Be consistent. Creditors want to know that if you are given money by them then you will pay it back on the agreed upon terms. Negative information can stay on your report for years even up to 10 years.

·         It seems tedious but the more documentation you have to negate any discrepancy the better. You will be able to send this information off to prove your case. Any dispute made has to be investigated within 30 days by the agencies. Any changes will then be sent back to you for free.

·         If you have problems that are non-debatable, it is time to look at your spending habits. Call your creditors and see if there are other options that you can arrange to pay them and not have them report it against you.

Though it can be a tedious struggle, follow these Credit Repair Tips is one of the most important things that you can do for yourself.

There are several vendors available online that help you with Credit Counseling to repair your credit score.

If you are having multiple debts, then it will also be safer to pay ff that high interest financial obligations first. One can go for debt consolidation, to lower the interest burden.