Have you found that the burden of a poor credit score is causing a bit of interference in your otherwise normal life? Do you wake up from a sound sleep sweating, and feeling the weight of the world on your shoulders? Is it causing undue stress in your life? We can fix that! You’ll have to do a lot of the heavy lifting, but we can put you on the right track, and give you the tools you need to become financially responsible once again.

If you don’t have very good credit, financing your home may not be easy. In this situation, it is a good idea to try to obtain an FHA loan, because these loans are guaranteed by the federal government. FHA loans can even work when someone lacks the funds for down payment or closing costs.

The next thing you need to do is maintain a high credit rating as this will help to reduce your interest rates. This is a simple action that will serve to reduce your payments, and ultimately drag you out of the sinkhole they call debt.

The benefits of a good credit score are boundless. The biggest of course, is that you will be able to afford a home, or even a car. Without a decent credit rating or report, you would be forced to pay for these things outright with cash, and that is not always possible. When you apply for your loans, you want to get said loan, and have a good interest rate.

Another tip for increasing your personal credit score is to look into the possibility of opening installment loan accounts. The key is to manage such accounts very carefully and make consistent, timely payments on them no matter what.

If you have decided to turn to a credit counseling company to help sort out your financial situation, make certain to do your homework first. While there are certainly reputable firms that are able to provide real help to those in financial distress, there are others that are little more than unscrupulous operators that can do more harm than good.

When beginning the process or repairing your credit, you should start by obtaining copies of your credit reports from all three credit bureaus. You may also consider consolidation your loans. Doing so will allow you to pay off one account rather than several accounts. Another thing you must do is review your credit card statement each month to ensure there are no errors. Some of the most common errors can include unwarranted fees and surcharges.

Never be afraid to negotiate with your existing creditors so that you can get yourself on firmer financial footing. Ask about the possibility of lowering your interest rates so that you can pay down balances faster and see real improvement in your credit score.

If you are working with an agency that promises to consolidate your loans, then you will want to ensure that they are reputable. There are some agencies that for all intents and purposes wish to scam you, and perhaps even take your money. Don’t be a victim! Do your research and even consult the Better Business Bureau if you are unsure.

Finally, you will want to avoid using credit cards. When you use a credit card you will be charged, and if you are in a financial rut, you may find that you cannot pay the bill immediately. This can hurt your credit! If you are forced to use a credit card, pay the entire balance and get it off your record. It is entirely possible to fix your credit so long as you can commit and buckle down on your purchases. It’s in your hands now.

While few have achieved a max credit score, many have improved their credit score. To learn how, visit http://maxcreditscore.org and click the blue banner found at the top of the page to view a free video on your credit score.