Source: blogcomtinsmind1971.typepad.com Thousands of people have horrible credit. With these ideas, you can start on your way to fixing your credit, no matter whether it needs a lot of fixing or only a small tweak. First, be sure to find out what your credit score is. You can receive a free credit score through some websites. Close examination of your credit score will give you the ability to correct any incorrect information that is reported there. Be sure to touch base with the creditors to see your options. Pay off the accounts that have the earliest deadline in order to prevent anymore interest costs towards you. It is important to figure out which bills have more flexibility. If there are negative marks on your credit report, take note of them. Review the list, and identify if any of these are due to mistakes or fraud. You can fix your credit score if you what is affecting it negatively. Do some research and understand the rights you have as a debtor when dealing with collection agencies. For example, it's illegal for collection agencies to verbally threaten a person over the phone, and you cannot go to prison for missing payments. The laws are different from state to state, but it is generally illegal for these agencies to use threats or verbal abuse over the phone or in writing. Take action to ensure that your rights are respected. If you can have around 30 percent or less on your credit card balance, it's helpful. This will make it easier to make your payments, and it also helps you have a better credit rating. Payment plans can be a helpful solution if your debts have reached collections. Setting up a plan to pay your bill as soon as possible is crucial. The debtors aren't out to get you, they just simply want their money and more often than not they'll be willing to work with you to help you pay it. Avoiding your debts is generally not a good idea because the debt will still be there, and matters will not improve on their own. Be upfront with collection agencies. Help them see that although you are having a difficult time making payment, you are willing to make a good faith effort to pay your debts. If you take the time to discuss your issues with them, they may be able to adjust your bill. If you are honest with the debt holders about your situation and indicate a willingness to pay, they are more likely to work out a deal with you. These tips will make your credit problems a thing of the past. You can start repairing your credit on your own, right now, by following these tips.