If you have bad credit or a low credit score, you should ask this question: "How can I fix my credit?" If you do not act quickly, the situation will negatively impact your ability to obtain a loan, purchase a house, rent an apartment or obtain other goods and services. As a result, "How can I fix my credit?," becomes an essential, not a frivolous, question. You can address the matter by building up your credit score or rating. To accomplish this, you may hire a credit repair company. Otherwise known as a credit repair agency or credit repair business, this company can help guide you through the process of fixing certain problems. These include removal of outdated items and inaccurate information filed with the credit bureau. You can also, however, take the proactive approach. Yes, you can fix your own credit. This will require a serious examination of your current financial practices. You will need to adopt several practices including paying your bills on time and maintaining a low outstanding debt. These measures will help you to fix your credit over time.