If your credit is in the dumps and you really want to improve it, there are simple things you can do to pull it out of the dumps.

First, take a look at your credit report. Check for any errors or things that aren’t supposed to be there.

Next, for any creditor that you are over 120 days delinquent with you can call and strike up a deal where you can settle on an amount in exchange for them deleting it off your credit report.

Finally, start paying current debtors on time every month.