You can get back to good credit without really doing much beyond using your own common sense. It will take time and if there are mistakes and errors on your report, which unfortunately there probably are, it will not fix those but your credit will improve in time if you just do a few things.
? First, make all your payments on time. Common Sense, right?
? Pay down your existing debt as much as possible. Try to get it to below 20% of the available balance.
? Use the credit you have. Sparingly, and pay it off every month.
? Get some new credit. Use it as you would the old credit, meaning sparingly and keep the debt level below 20%
? Check your report regularly. Get your free report each year and stay on top of it. If there are mistakes and errors you may need to take some more drastic credit repair measures.
