Now that the economy has taken a downturn, even more people are struggling to maintain good credit. Repairing damaged credit can be a pain, but we can help you make it as easy as possible.

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. The best way to tackle repairing your credit is to see your report in black and white, plain and simple.

Talk to your creditors openly about your debt. They will help you determine which accounts must be paid immediately, and which ones can wait a little longer. This line of communication is essential in helping you avoid racking up fees for late payments or worse. If some of your creditors are more lenient, it is best to be late on those accounts instead of falling behind on one that is not as flexible.

Finding negative aspects to your credit report can actually be used to your advantage. Sometimes a credit report can include mistakes. If you find any errors, it is important to contact the company that supplied the credit bureau with incorrect information.

You should look up information specific to your state about your rights and the rights of collection agencies. Debtors cannot legally threaten you, and non-payment will not result in you going to prison. Even though it differs from state to state, you're typically safe from getting harassed over the phone. You need to know your rights when dealing with collectors, because they are not permitted to push you around.

You should try to limit your credit card usage, and not use more than 30 percent of your available credit. This can make the payments a little easier on you and your wallet. In addition, keeping 70 percent of your available credit free is a prudent step to plan for those unexpected emergencies that always pop up.

Try to make a payment plan or consolidate your debt if your bills have entered collections. Collection people are usually happy to work with you. Avoiding the collection agencies does you no good at all. Be honest, and let them know any if you are having difficulty paying them. Also indicate that you want to make the effort take care of your financial obligation to them. Your debtors may be willing to lower the amount you owe. Collaborate with them to reach a workable agreement. Your goal is to work out a plan so charges stop accruing while you do your best to pay your bills.

Start fixing your credit now, just review the information listed and get started. These items are things you can do to help move yourself forward quickly, to new and improved credit.