If you have found yourself in a situation where you have a poor credit score, you need to take immediate steps to repair your credit before it gets too out of hand. Credit scores are determined on the information contained in your credit report, so you need to begin by getting a copy of your credit report and checking it over for errors.

If you find any errors, you'll need to notify the credit bureau by mail enclosing proof that the entry is erroneous. They will then review your request and are required to advise you within 30 days whether or not they are ruling in your favor. You should always send an error notification letter certified mail with return receipt requested so you know for sure that they have received your letter.

If they have ruled in your favor, check your credit report again to be sure the error has been removed. Just a little correction of an error can be a significant step toward the repair of your credit. It alone can make your credit score rise.

After you have thoroughly inspected your credit report, the next step to repairing your credit is to start working on your debt. You need to start paying down any credit card debt that you have accumulated. Keep paying your mortgage or your car loan if you have either or both. Be sure to pay on time and keep up to date without paying past the grace period you are given.

The best thing you can do for yourself when you are trying to repair your credit is to get rid of credit card debt and then don't use credit anymore. Well, at least use it sparingly. If your credit card debt is too much for you to manage on your own, contact a debt consolidation company so you can get a debt consolidation loan that will pay off all of your creditors and allow you to make just one payment instead of several.

There are also credit counseling center that can help you repair your credit. Not only can they help repair your credit, they can help you make a plan so that you never get into credit trouble, again. That includes making a budget you can stick to and providing support if you find yourself in a situation where you might not be able to get out of on your own.

Take steps right now to repair your credit if it is less than perfect. In the long run, you will find that it will be well worth the effort and the time that you put in. Plus, it's satisfying to know you are credit worthy!