The current economic crisis has shattered the credit world and has doubled the number of people sitting at the poor credit scale. Over 35 million Americans today suffer from bad credit and the various issues associated with it.

When your credit is less than perfect and you know this, it can be overwhelming to begin the process of fixing it so you can increase that ever important FICO score. You need to protect your credit with everything you’ve got because having a good credit rating is your livelihood. Whether you are just starting out or you’ve had credit cards before you need to learn how to manage your finances responsibly in order to keep your credit score high.

Tips for manage to bring up your credit score and repair your credit

1. Get in the habit of checking your credit report at least once a year. You can get a free credit report from all three credit bureaus once a year so that you do not have to worry about paying for it. Review all information on the report to ensure it is correct. If you find any errors on your credit report then you need to contact the credit bureau and dispute the claim and have it deleted from your credit report.
2. If you don’t have the money to pay off the debt completely don’t just let it sit there. Contact the company and see if you can make payment arrangements or at least send in a payment to bring the balance down.
3. Get in the habit of paying bills on time. This is one of the most important things to remember. Credit card companies, banks, etc.report to the credit bureaus to obtain a good report that you need to keep companies happy by paying obligations on time.