1. Find out how bad it is. Request your credit report fro the major credit agencies.
2. Contact your local credit bureau, which is basically a credit reporting agency that may cover only a single state or county.
3. Look for inaccuracies or missing accounts on your report.
4. Follow up on all changes immediately.
5. Request new credit reports. Make sure changes have been applied.
OTHER tips:
Reduce the number of credit cards you own. One is enough. If you own a business, you should have one for your personal uses and another for your business.
Only charge items your able to pay cash for.
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