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There are many people who could use help improving their credit rating Scenarios are different for everyone, and credit scores can vary, but some have credit that is much worse than others Learn these helpful tips to fix your credit fast! First, you want to check your credit report and get your credit score It is now easier than ever to find this information online, because some companies even offer these reports for free It is crucial to know where your credit stands in order to start figuring out how to start fixing it Asking collection agencies about their various payment options may help you to avoid paying interest charges and late fees Some creditors may allow you to pay late with no penalty, which frees up funds for bills that require more immediate attention  While reviewing the accuracy of your credit report, be sure to document any information that is not correct If any of the information is wrong, take decisive action to have it deleted from your report If you find negative marks that are your fault, submit a statement to the credit bureaus so that people who pull your credit can see it  Always know your rights before you deal with any collection agencies Collection agencies cannot legally threaten you with the prospect of jail time to force you to pay a debt Check out your state\'s laws about collection agencies Debt collectors do not have the right to be threatening or verbally abusive pret   http://www.credits-rachat-credit.com   pret    Keeping your balance below thirty percent is a good goal to have when you are trying to handle your credit cards This will help keep your payments more manageable and will cut down on the interest that accrues and is added to your balance Anything more will surely stress out your life as well as your finances  Talk to the collectors about what is going on and they may be able to help you Since all these agencies want is your money, they are usually willing to work with you to get it Hiding from the agency will make them reluctant to compromise on your debt situation Be honest with them and tell them that it is hard for you to pay off your debt but that you are definitely willing to do it as fast as possible The agency may agree to allow you to pay back a reduced amount Sometimes a deal can be reached in which you only have to pay back half of the initial debt Let the credit companies know what you are able to do, what kind of payment you can afford or when you would be able to begin paying again and they might be able to work with you If your creditors feel you are making a good effort to take care of your bills, they are more likely to work with you in helping you get them paid off completely  The information in this article will help you keep your credit in order Start applying some of the advice from these tips and you can improve your credit score and reduce stress caused by financial worries