To obtain benefits in the financial world such as a lower mortgage rate and a preferred credit card, you have to have good to better credit. If you have a poor, average or fair credit score, you need to consider this word "how?" Fix your credit and you improve your credit score. "How?" Fix your credit and you are more apt to obtain better rates, get that credit card and secure improved services. The process of fixing your credit begins with knowing your credit score and deciphering what is in your credit report. In doing so, you will know what the weak points are in your financial situation. You need to consider each of them and do what you must to remove the negatives. Negative credit factors include overextended credit, a continued pattern of missed or late payments and high debt load. If it is necessary, make an appointment to see a financial counsellor.