Financial problems are something most people go through, and that can affect your credit score. Sometimes it’s hard to repair your credit after filing bankruptcy or even just getting behind on some bills. Here are seven steps to help you repair your credit.

Check your credit report by getting a copy, and see if there are any mistakes or errors and the correct those mistakes. Go to for a free copy of your report.
Put positive data into your credit file from smaller entities and ask for them to report it to a credit agency.
Clear your credit quickly by going directly to the creditor.
If you’re in a bad financial situation, you’ve probably experienced some misfortune and adversity. Explain what you’ve gone through and emphasize to the creditor that your account is current.
Look into negotiating your credit if you have bad debts.
You can actually add a personal statement to your credit report. Use this opportunity to tell your story.
And, last, but not least, reach out to the Consumer Financial Protection Bureau. For more information on the CFPB, go to their website at