Wondering how to fix credit? There may be a way to improve your credit score and there is a way to wipe the slate clean or restore credit via different forms of bankruptcy but there may not be a way to fix credit. If anyone is worried about their credit, the first thing they should do is get their credit report from a credit bureau such as Equfax. Check it very carefully to make sure there are no errors on it. If you have a poor credit rating due to delinquent payments, then you can call the creditors yourself and try to make arrangements. If that doesn't work, you can opt to work with a consumer credit agency who will contact your creditors and make arrangements to lower payments. Another option to fix credit or restore a credit rating is to file bankruptcy. Yes, that is a viable option. The idea is to improve your credit. The lower your credit score, even if you do get credit, the higher the interest rates will be. Think carefully and consider all options. Regardless of which way you go, it will take some time to fix credit.