First, you need to get your credit score. There are a variety of sites that you can do this; some are even free. Knowing how your credit looks to lenders is important information when you are trying to repair it.
Contact your creditors directly for information on your account. Once you have this information, you can figure out which accounts need to be paid now and which can wait a week or two. Dealing with these critical accounts before others can help save you a lot of money in the long run. You can relieve your financial pressure by paying off the accounts that do not allow payment plans first. Then you can focus on those accounts that allowed you to make payment arrangements.
Make sure to carefully look over your credit report, keeping an eye out for mistakes. Make sure all the information on your credit report is accurate. Get in touch with credit agencies and dispute anything that is suspicious. If the negative information is removed, this will raise your credit score.
http://www.youtube.com/watch?v=jI1B89ar8gw
