Source: erenniten1976.typepad.com There are countless people who need to fix their credit score. Of course, everyone has a different situation, and some have worse credit scores than others. Find out how you can fix your credit with these helpful tips. Getting a current credit report and credit score is the first step toward repairing your credit. You can go online to locate free credit resources and reports at several different websites. You cannot put a plan into place if you do not know what circumstances you are dealing with. Talk to your creditors to see if any of them will allow you to delay a payment, or come up with another option that will work for you. When you know which creditors won't accept delayed payments or installment plans, you can move forward and focus on those particular bills first. Know what interest rates you are paying and stay on top of damaging penalties like late fees. Focus on the higher interest accounts to avoid less penalty fees. Your credit report could contain errors, so you should study it thoroughly. Go through the report with a fine-toothed comb to locate any mistakes or inaccurate information. You should immediately contact the credit reporting agency if there are any mistakes. You might be able to get these items off your report. There are specific laws on the books that collection agencies must follow. Learn what these rules are, and make sure that the collection agency is following them. An important one to keep in mind is that they are not allowed to yell or threaten you with prison. In fact, agents cannot subject you to any verbal abuse. Be sure to know your state laws. When you know what your rights are, you will not let the creditors have such a hold on you. Try to have your credit card's balance under 30 percent. This will make minimum payments easier for you. Going over 30 percent is not good for your credit rating, your bank account or your pocket book. If you have bills that have been referred to a collection agency, try to work with them to agree on a payment plan. This is also an option before your bills are referred to a collection agency. Do not put off speaking with the collection agencies, or you could make the problem bigger than it needs to be. While it may be embarrassing to discuss your problems with a debt collector, they cannot assist you if you are not completely honest. Outline your problems and tell them you wish to make an effort to repay your debt. They may be able to adjust your payment plan to make it more manageable or may even lower the amount that you owe. Creditors aren't just out to get you. They'll often work with you if you work with them. By looking over this information, you can begin repairing your credit today. These tips are some of the things that you can do in order to improve your credit.