Tip #99: Get help if you need it
Do not be afraid to ask for help - financial or emotional - if you need it. There are a number of wonderful organizations that can help you if a problem is causing your credit problems. If you have credit problems due to compulsive overspending, for example, Overspenders Anonymous can be a great help.
If you suffer from a gambling problem, there are a number of charitable organizations that can help you overcome the addiction. If you have accumulated debt as a result of these sorts of specific problems, you will not really be able to fix your credit rating unless you deal with the problems behind the bad credit. Many good groups and therapists out there can help you.
Find a recommendation for a good one from your family doctor or a trusted friend or family member. You will be glad that you did.
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