Source: heisweatdelsund1976.typepad.com Thousands of people have horrible credit. By using the tips in this article, you will be able to fix your credit on your own, whether they are big or small problems. First, get the latest copy of your credit report. These can be found through a variety of websites, sometimes for free and sometimes for a small fee. Seeing everything spelled out for you in your report is often a great wake-up call. Determine which creditors are open to offering you an installment plan or postponing your payments. This makes it easier to determine which bills must be taken care of now. It is important to know how high the rates and penalties are. By focusing on paying off your high-interest accounts, you can save a great deal of money. Write down every negative item on your credit report. These documents will help you improve your report. Often times, there will be mistakes on the report, and you need to know when this is the case. The following resources can be used in the event that you do find errors on your report. There are many laws by which collection companies must abide. Make sure you are aware of what a collection company can and cannot do. Collection agents are not allowed to yell at you as a general rule, but they often do. You shouldn't be compelled to listen to verbal abuse. These laws vary by state so find out what your state's laws are. If you know your rights, you will not be pushed around. Try to keep the balances on your credit cards below 30 percent. Your monthly payments will be smaller and will help you during budgeting. When balances reach 30 percent or more, debt ratios also go up and disposable income is minimal. Be aware of the balances you are carrying on your credit cards, and keep them lower than 30 percent. Try to make a payment plan or consolidate your debt if your bills have entered collections. Collections agents will often be ready and willing to help you. By avoiding them you aren't doing anything but making things harder for yourself, as your debt is still there and it becomes harder and harder to come to a compromise. You should tell them that you are definitely having a difficult time paying your debt but that you are willing to work something out with them. Talking can help you get your bill lowered. Collaborate with them to reach a workable agreement. If you work out a plan with them, it may stop them from adding further charges to your bill. You can start improving your credit with these tips. Start rebuilding your credit with these tips.