The bills just keep on coming. Yet the money to cover them, is not enough. You probably do not know which way to turn. The television shows all these ads on how to repair your credit. But if you are broke, that is like creating another bill. How about fixing your credit yourself? If you created the credit problem, then you should be the one to repair it. You can do this yourself. Plus the obvious reason is you are the only one who knows what you can afford to do. You have the tools to deal with the creditors. Learning how to repair credit is figuring out how much debt you owe in total. Write down everyone you owe. Getting all your debts accounted for is necessary.
This is the first and most important step. Get a copy of your credit report from all three agencies, Equifax, TransUnion, and Experian. You can obtain them for free once a year. When learning the basics of how to repair credit this step is also crucial since you need to know which debts to focus on first. You'll also want to look over them for any mistakes, which are actually quite common to find, so that you can dispute them. Also you will probably want to research the Credit Repair Organizations Act. It protects you from credit repair organizations which falsify their claims or attempt to bill you before you've received their services.
Debt Consolidation agencies can help you, if you feel there is too much debt for you. Try Consumer Credit Counseling, they are a low cost agency. Apply for a credit card. A credit card can go a long way toward repairing your credit score. Once you get your credit repaired, or at least getting on the right track, stay on track. Get a copy of your credit report at least once a year. There's no point in going to all this trouble to correct your credit rating if you're just going to get right back into hot water. You will treasure your credit, especially if you fixed it yourself. Best Wishes!