If your credit score is low or bad, you will need to discover how to fix credit. In other words, you have to change your financial practices to improve your credit score to a higher level. In doing so you hope to arrive at a good score or rating. You need to achieve between 600 and 700 on the FICO scale. This is not always a simple process. Depending upon the level of your credit score and the amount of financial debt you have amassed, you may or may not require debt counselling. As a result, the first thing you need to do is obtain an updated copy of your credit report. This will detail the extent of your problem(s). Next, check the report for any errors. Contact the credit report agency about changing these. Compile a list on the problems with your credit. If it is due to inconsistent payments of loans and credit cards, rectify it. Arrange with the various agencies involved, if necessary, for a repayment plan. Alternatively, simply update your payments and maintain an on-time, full-payment monthly schedule. If you have any other types of outstanding debt see if you can pay them off immediately. If this is not possible arrange for a repayment schedule, sell assets to cover the debts or consider