If your credit is poor, take the first step to repairing it by closing out the majority of your cards, leaving yourself just one to use. Try to make a payment or transfer your balance to your open credit account. By doing this, you can concentrate on a single credit card payment, as opposed to a lot of smaller ones each month.
Lowering the balances on revolving accounts can help you to get a better credit score. Your credit score can be raised if you lower your balances. Your FICO credit score notes what your balances are on your revolving accounts based on the credit you have available. One thing that you can avoid in order to keep a good credit score is to stop applying for unnecessary credit cards. Each time you open a new credit line your credit score goes down. Just apply for two credit cards at the most and that should be enough to pay for your daily expenses.
Carefully read all of your credit statements. You are looking to see that every charge is correct and determining whether or not you are being charged for an item you didn’t buy. You are the person responsible for checking that there are no errors. No matter what kind of credit situation you face, the best way to fix it is to pay your outstanding debts. Not paying on outstanding balances and allowing them to continue to grow will only make things worse and cost you more in the long run.