Review your credit
How to repair bad credit

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It may take some time, but bad credit can be fixed. You can contact a professional financial counselor or a credit- and budget-counseling agency, if you need help developing a budget/debt reduction plan.

Nonprofit credit-counseling agencies:

• Consumer Credit Counseling Service,
  1-800-388-CCCS (2227)
  National Foundation for Consumer Credit
  8611 2nd Ave., Suite 100
  Silver Spring, MD 20910
  Phone: (301) 589-5600
• Neighborhood Housing Services
  Please check your telephone directory for a local Neighborhood Housing Services office or a Neighborhood Reinvestment Corporation district office.