Now is the time to start improving your credit history. It can take several years to improve a bad credit history. So the sooner you start the better.

Only YOU can fix your bad credit. It will take time and work on your part. But you will be able to get a better credit score.

Some companies offer quick fixes for bad credit. Beware! Quick fix credit companies charge a lot of money to temporarily remove negative information from your credit report. However, that negative information will be put back on your credit report in a few months if the information is proven to be true.