Having terrible credit can affect your daily life in a number of ways. It's harder to own a interest and home rates are higher on a, insurance and cars number of other purchases. If you've had a hard time keeping your credit rating up, here are a few tips to get your credit back in good shape. If you are worried that you may not have the dream of home ownership again after a foreclosure, there may be good news in that area.Quick Small Cash Loans This may require a larger down payment and higher interest rates, even though depending on the reasons for the foreclosure, you may be able to have another home within three years. Should you find yourself needed to declare bankruptcy, do so sooner rather than later. Anything you do to try to repair your credit before, in this scenario, inevitable bankruptcy will be futile since bankruptcy will cripple your credit score. First, you must declare bankruptcy, then begin to repair your credit. Using that entire limit will lower your score, although keep your credit card balances low. having a high credit limit on your card can seem like you've won the lottery. Try to keep balances at a 50% maximum. 30% is more of a prime target. By doing this you are showing that you can handle your credit well, and that you don't need every dollar that has been extended to you. To fix bad credit, restrict yourself from borrowing any more money. If you can really afford what you want to buy, and if you really need it, ask yourself. You should be able to set enough money aside to pay back your creditors, by reducing your unnecessary expenses on a daily basis. When disputing items with a credit reporting agency make sure to not use photocopied or form letters. Form letters send up red flags with the agencies and make them think that the request is not legitimate. This type of letter will cause the agency to work a bit more diligently to verify the debt. Do not give them a reason to look harder. Contact the business and see if you can set up an arrangement if you know that you are going to be late on a payment or that the balances have gotten away from you.Quick Qud It is much easier to keep a company from reporting something to your credit report than it is to have it fixed later. If you're willing to do all of the work and handle talking to different collection and creditors agencies, only take a do-it-yourself approach to your credit score improvement. Hire an attorney instead who is well versed on the Fair Credit Reporting Act if you don't feel like you're brave enough or able to handle the pressure. While repairing your credit rating does take some time and effort, there are many steps you can take to prevent your score from dropping further and to avoid making the same mistakes in the future. Your credit score is a direct reflection of your credibility as a consumer, and the above tips can help you make sure that your reflection is a positive one.