The first thing you want to do to doctor up your score is to pay off any delinquent accounts. Once you are up to date, stay that way with your monthly bills to avoid repeating such mistakes. The reason this is so important is that when lenders are examining your credit history, they view your past as a glimpse of how you will behave in the future. Use a credit counselor or confer with your creditors to find the best way to pay for the overdue funds. A maneuver that may seem appealing is to consolidate your debt; however, you must realize that this is merely a shifting of your debt and does not rid you of it. Again, paying off your debt is the best choice.

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