• Pay your bills on time: The most important rule for maintaining good credit is paying your bills, bills and debts on time. You can start improving your credit history immediately by making at least minimum payments on time. If you follow this advice, in a few months will result in a new and improved credit report.
• Use credit sparingly: Another golden rule is to spend no more than a third of their income paying off debts, including mortgages, credit cards and consumer loans. Try to use credit cards only for purchases that have long-term value such as furniture, medical care, or emergency repairs. Do not rely on credit cards for everyday expenses, like dining out or pay for entertainment

• Fix errors: Your credit is a reflection of the information found in your credit report. If the report contains negative information, will impact your credit negatively, regardless of whether the information is accurate or not. Review the reports of the three credit bureaus to see if they are accurate, at least once a year, and especially several months before applying for credit.
• Pay off old debts: Try to pay all outstanding debts. Establish a written payment plan and when you have paid an account, make sure you receive a letter from the creditor that updates the registration of the credit bureau.
• Pay more than the minimum required: If you pay only the minimum debt each month, you’ll pay much money on interest. For example, if you have a card with an interest rate of 18.5 percent and only pay the minimum balance due each month, it will take more than 11 years to pay off a debt of $ 2,000, plus pay interest on $ 1,934, almost double the value of your purchase.
• Do not use the ceiling of your credit cards: Use only between 30 and 50 percent of available revolving credit.
• Work with a credit counseling organization honest, non-profit: There are many community based organizations, honest, and non-profit, which can provide individual assistance to help improve your credit. Do not confuse the expensive credit repair clinics with legitimate credit counseling organizations and nonprofit. Be very wary of organizations that charge high entry rates, making unrealistic promises, and they do not have credentials for accreditation. Contact us to confirm that any charges that you are charging is reasonable.

Before working with an organization, ask how to inform the credit bureaus, how often pay their creditors, if need to change your payment dates to coincide with the dates on which the organization pays creditors, and how long take you to pay your debt.

A credit counseling agency, or credit repair company, is a company which the main task is to give suggestions or advices to improve credit condition better, to fix credit with gaining a high credit score, to manage money to solve the debt payment, and the other financial credit problems. The assistance of this agency is used when our credit is going to be a bad credit, which needs to be normalized again to the acceptance level.

When we want to choose credit repair that will help to solve our problem, there are four things that must be considered.

First, don’t believe any companies which made a guarantee to increase your credit score to a specific number. It does because, there’s nothing can ensure the point of increasing will be made. As we know, the increase of credit score is depend on many factors, such as the current credit score, the type of delinquent credit, and the debt-to-income ratio.

Second, we must check the official company’s website to ensure that the company has a capability and credibility on that business.

Third, ask the company to mention the fee components that must we pay. So, we can calculate the cost and match it with our wallet.

The last, ask the company to show us the copy of letters that will be sent to the creditor. If the company can’t, we must avoid using them because we can’t fix credit and ensure that the letter is stated correctly.