Step 2- Consistenly Good Payment History
- Always pay your bills on time. Late payments are a major factor in driving down your credit score.
- If any of your bills are currently past due, get caught up and stay caught up - procrastination can destroy your credit rating.
- Contact your creditors immediatley if you think you are going to have a problem paying a bill by the due date. Try to work out a payment arrangement and ask them to keep the late information from being reported to the credit bureaus. If you cannot get them to agree, negotiate to keep at least a portion of the late information off the reports.
- If your situation is serious, see a legitimate counselor - one who is non-profit. Don't fall for the quick fixes scamers.