The ramifications of having a bad credit score are frustrating to deal with. Poor choices in your past can really come back to haunt you. It may take some time, but your credit can be repaired. Read this article for some strategies that can help. Make a plan so that you can get rid of past due bills plus any collection accounts. Though they will still be reflected on all three credit reports, they will show as paid so the ill effects are less substantial.
If you are unable to make minimum payments, contact the better business bureau for information on a trustworthy credit counseling service. Often times, these companies will work with the creditors to get negotiate a lower interest rate and an affordable payment plan that will help get your finances back on track. In addition, credit counseling will help you set up a budget and examine where your money goes.