If you have too much debt, you can get help by visiting a credit counseling service. These services can help you organize and improve your finances. To help you get out faster of debt, a counselor might recommend a debt management program. Secured credit cards are also available for those with bad credits. These cards require you to put money as collateral and can be approved despite having bad or no credit history. Pay all bills on time to avoid paying late fees.
You should pay all your bills on time. Your payment history is 35% of your credit score. Try to make your payments on time to build a strong credit score. Sign up for autopay with your bank or credit card to make it easier. Contact the agency to arrange a payment plan if you are unable or unwilling to set up autopay. If you worry about overdrawing your account, schedule an autopay for the same time as you pay your bills.
Obtaining a free credit score is easy. Your FICO score is available through Discover Card. It is the most popular credit score in the world. Other companies may offer you a Vantage Score. This score is similar to the FICO but weighs different components. This way, you can decide which one is best for you. If you have bad credit, you can consult with a nonprofit agency for repayment plans.
