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Alternatively, you can try signing up for automatic payments — this has helped me pay my bills on time. Look Into Credit Counseling Establishing a budget can help you manage and repay your debts, but if you can’t stick to your budget, then you may want to consider credit counseling.The National Foundation for Credit Counseling can help you locate a counselor in your area. Stay Clear of Credit Repair Scams While credit counseling can be beneficial, it’s best to be wary of credit repair scams.Be sure to compare the three reports, because a creditor might report to one bureau and skip the other two.In the event that you run across any errors or see traces of identity fraud, take steps to file a dispute with the credit bureau.Correcting your credit report can help clean up your credit. Use Secured Credit Cards One way to rebuild a good track record with credit is to sign up for a secured credit card.Your bank or credit union might be willing to issue you a card with a limit, based on the amount you deposit.
For some people, having an emergency fund in a savings account like the one offered by HSBC Advance can stave off the problems that lead to too much credit use.And monitor your credit regularly so that you know what affects it both positively and negatively.