Thousands of people have horrible credit. No matter how poor your credit, if you follow these steps, you will be able to repair your score.

First, be sure to find out what your credit score is. Many sites are available to help you get a free credit score. After you find out your credit score, you can start to work on improving it and fixing problems with your report.

Keep your lines of communication open by reaching out to credit agencies in order to amend problems with your credit rating or history. They will help you determine which accounts must be paid immediately, and which ones can wait a little longer. Make sure you absorb this knowledge so that you will not face further fees. 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.

Incorrect or false information can drastically affect your overall credit rating. Get a copy of your credit report and review it for incorrect or false information. If your report contains any incorrect information, immediately contact the right person at the right bureau to have them taken off.

You should be aware of your rights when it comes to collection agencies. You cannot be jailed for failing to pay a debt. Collection agencies are not allowed to make threats against you. Take the time to learn the laws regarding collection agencies, as they differ from state to state. Do not allow yourself to be verbally abused by a debt collector.

It is important that you keep your credit card balance under 30 percent. Keeping your balances low will be better for you, and will be easier on your pocketbook. High balances accrue more interest, and are harder to pay off.

When repairing your credit, take care of the bills you have that are going into collections. Collection agents are usually cooperative if you make a plan to pay off your debt with them. Ignoring their calls will not end the harassment. They will work with you and help you if they think you are trying. Some agencies may even consider offering you a settlement. Setting up a payment plan is a great way to get creditors off your back.

Having good credit is important, and trying these few tips will help you get back on track to having good credit. Putting them into practice immediately can get your credit history moving in a positive direction.