Source: Why Not Check Here You may be surprised to find that most people have trouble with their credit at some point in their lives. Some credit scores are far worse than others. Learn these helpful tips to fix your credit fast! Obtaining your credit report should be the first step. You will find many sites online where you can get your report, and a couple that will give you one for free. After you have reviewed the credit report, you can determine what steps must be taken to make the necessary adjustments. Asking collection agencies about their various payment options may help you to avoid paying interest charges and late fees. Some companies may allow you to set up a payment plan, or delay paying with no penalization, allowing you to focus on those debts that need to be repayed right away. Once you have obtained your credit report, review it thoroughly, and make a note of any negative things you come across. Nothing is perfect, and that includes credit reports. It is important to identify these errors so that you can fix them. You must know your rights to face collection agencies. Collection agencies are subject to the credit laws and should not threaten you. Laws vary from state-to-state, so make sure to check your state's regulations. Do not let these collection agencies intimidate you. The balances on your credit cards should be 30 percent or lower. Lower balances are easier to pay off in the long run, helping you repair your credit more quickly. If you are over 30 percent of your balance it will be hard to pay, it will also put a bad mark on your credit score. If you are receiving collection notices from overdue bills, try working with those who hold your debt to find a feasible solution for you both. In most cases, agencies are willing to negotiate a reasonable plan since they want to receive payment. 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 up front with them and tell them that you are doing the best you can but it is hard to make ends meet right now. Good communication may lead to a portion of your debt being forgiven. If you are honest with them and are making a sincere effort to work things out, they may be willing to negotiate. Try to use these tips to improve your credit. Start today and begin rebuilding your credit.