The best part about finding a third party credit counselor to tackle your credit repair is that you won’t feel so alone. It can be overwhelming, frustrating and embarrassing to find yourself knee-deep in debt. Sure, you could repair your credit on your own by reading a few books, buying software, calling and negotiating with creditors, or making an organized checklist of priorities. However, you may prefer the “we’re-in-this-together” feeling of working one-on-one with a debt reduction professional who can ensure you’re doing your best to pay off old debts and wipe the slate clean with a newer, positive payment history.

If you’re wondering how to bring up a low credit score, then you’ll be happy to know there are a a few ways to do so. First, check your free credit score with Experian, TransUnion and Equifax and be sure to be on the watch for any facts about identity theft while you are reviewing your credit report. Once you know what figures you are dealing with you can work out where to start in your credit repair strategy. Next, pay off all your debts, starting with the highest interest credit cards first. If you need help with this area, then you may want to consult a credit repair attorney. While you're paying these off keep your accounts open, otherwise it will look like you're using a larger portion of your available credit. Last off, look at getting what is known as “good debt,” such as a mortgage, a school loan, a car loan or a self-financed installment loan; anything that will prove you can be trusted to once again stick to a monthly payment plan.

There are many ways to improve credit. You’ll want to engage in credit repair to secure yourself the best mortgage and auto loans, as well as the best interest rates on credit cards. Six months prior to buying your big ticket item, you should work at boosting your score to at least 700. Reduce your credit card balances down to 30% of their credit limits, as maxed out credit cards hurt your credit score big time. Also, be sure you don’t cancel any of your credit cards because you’ll decrease the amount of available credit you have. You might want to also mix up your credit portfolio with unsecured credit cards and secured loans. Lastly, you can negotiate with all your creditors to remove late payments, which can improve your credit overnight if you’re lucky.

Beware of credit repair scams. The numbers of complaints against credit repair operations have increased 38% since 2004. To protect yourself, do not pay large sums of upfront cash to companies that promise to erase all blemishes on your credit report, give you a new Social Security Number or allow you to “piggyback” on someone else’s credit record. Check out the Better Business Bureau to ensure the company is legitimate before you do business with them. Consumer Credit Counseling Services is a national nonprofit organization that offers low-priced credit counseling to help you if you need it.

If given the opportunity most people would choose to live free and clear of all bills. That includes a home mortgage, a new car and credit cards. There would be enough money each month so that they could put back towards retirement or education. In a perfect world everyone would have exactly what they wanted and needed. But this is not a perfect world. Most people rely on credit cards, loans and mortgages in order to live. These allow them to live the way they want but it also puts them in bad credit.

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