Yes here are a few tips that can come handy to repair your Credit Score. That is correct these steps can prove to be of great use in case you are contemplating credit repair. Most of them are considered simple and easy as you can follow them on their own. What can be added here is that you can consult credit repair firms who can work on your behalf, but if you do not wish to spend that extra dollar, then you can certainly take a tip from the first thing that you need to do is contact agencies like Equifax, Experian or TransUnion to get a copy of your Credit Report. Once you get a copy compare and read through the report very carefully to see that there are no discrepancies in the report. Look for credit history, addresses of the creditors, and spelling errors to name some of the common mistakes. If there is any, then get them removed next thing that you can do is to make a practical budget. That is correct, organize your finances and keep a tab on your expenditure. That means you need to stop spending unnecessarily for some time now. This no wonder will take half of your worries. This would definitely help you to plan more and you will see that you are able to save as well amidst all addition to this the obvious factor has to be stated that you need to avoid the use of any more credit. Although many will tell you that yes you can use credit cards while you are on a credit repair mission, yet it is highly advisable that you stick to a stringent financial plan that you should not over step. If you think logically, then credit card or borrowing credit, in a broader sense lending has led you down this way that is better let us go one step ahead and take the initiative of talking to your creditors. You can start negotiating on the interest rate or ask for a waiver or two. Talking always helps and you need to convince them to believe in your earnest trial to pay them off. After all they would be glad to know that neither you are running away with their money nor are thinking of declaring yourself a bankrupt. Of course filing of Bankruptcy should not at all be contemplated during the whole procedure as it stays on file for 7 long years. There is no need to explain that if you are going ahead with credit repair then Bankruptcy ideally should be an off the road panorama.