Source: You Can Look HERE As the economy worsens, credit repair is in greater and greater demand. These tips will help you with your credit score, whether you need to fix a major problem or a small one. Finding your credit score is the first step. There are many sites out there that will help you with this; some will even do it for free. Before you begin your repairs, you need to know where your credit stands. Try to stay in contact with your creditors in order to work out a payment plan. Following a payment plan can save you a lot of money. Concentrate your financial resources on the accounts that have the least amount of leeway. After going over your report, note any of the negative information you uncover. You may find that your credit report contains mistakes and incorrect charges. Try to understand what the mistake is. You should look up information specific to your state about your rights and the rights of collection agencies. It is not possible for you to go to jail over a bill. Even if laws vary from one state to another, threatening you is illegal everywhere. Find out about your rights, and you will be in control of the situation. Try keeping your credit card's balance below thirty percent. This will help keep your payments more manageable and will cut down on the interest that accrues and is added to your balance. An amount higher than this can cause stress to your finances and life. Try to develop a plan so that you only have one payment a month in order to work off your debt. More often that not, creditors will work with you to produce satisfactory results. If you avoid them, your debt is still going to be there. Collection agencies will be less inclined to work with you the longer you put them off. Collectors will work with you if you let them know you are trying to pay off your debt. It is possible to reduce the amount you are require to pay by up to 50 percent. It is much easier to reach an agreement if you cooperate with collection agents. However, avoiding communications is a surefire path to steadily increasing debt. By following the above tips, you can take control of your credit. Incorporate the advice in this article, and get on the road to good credit today!