For tough time like now, you may want to maintain a good credit score. When the right time comes, you can borrow easily and with a low interest rate.
1. Don't use credit repair companies, you can do it yourself.
2. Do get a copy of your credit score from three major credit bureaus.
3. Correct and dispute errors with the credit bureaus. Most negative information should drop off after 7 years.
4. Pay bills on time. Never miss one.
5. Pay down debt. Your total debts should be less than 10% of your total available credit.
6. Take advantage of Free Credit Monitoring.
