All of we know the importance of credit score for surviving in the civilization. It will be needed for buying a home or may be buying a car. If any loan has been require for some personal purpose then it also needed for the application of loan. It also keep its effect on to get a cell phone or rent an apartment. So if you have any bad credit you may fall in some trouble for getting this type facility.

Don't worry about it. So many person those who have poor credit, can manage their credit report without too much effort. You can do it easily without any help within a short time. Just you've to follow few tips for doing this.

*Try to mange a copy of your credit report- The first thing which you've to do that you've to collect a copy of your credit report. You can do it with very low cost and can able to get a clear picture if your current situation. You've to collect all three major credit bureaus i.e. Equifax, Experian and Transunion.


*Try to pay your bills within appropriate time- Your credit score will improve then when you will pay your creditors on time. But if you unable to do this then you've to make a consistent record of your paying bills.

*Try to reduce your bad debt- The another issue which can affect your credit score i.e bad debt. Always try to attempt to cut down your debt. If you have very small debt it will be help you to increase your credit score.

*Manage your collection account if you have- If you have any collection account never go for hiding. Always try to contact with your creditor and settle the account.

*Create a new credit account- If you can create a recent credit account this will be help you to improve your FICO credit score.

So if we can manage the above step then we can manage our credit report accordingly.