How to Fix Your Credit?

You can fix your credit in a few simple steps. First, you have to pay off all unpaid bills. You can ask the creditors to delete it from your credit report in exchange for full payment so there is no negative information on that account. Telling them you dispute it first may give you more leverage. Next, make all future payments on time. That will improve whatever reports of late payments there are on it now. If you have small balances, pay those off quickly and then only use that card for something you have the cash to immediately pay off. This way you are still using the card but you know it will be paid immediately. Look here for more information: