First, you should pay off the debts you have now. Begin making regular payments on all your debts, no matter how small - this will often keep the creditors from reporting you as delinquent, and you can usually work something out with them. At this point, they've probably written you off anyway, so they have nothing to lose. Don't sacrifice to the point that you're living in a hovel with fleas , but do tighten your belt.

Second, you should get new credit, and make sure you're making small monthly payments. Don't go wild - you just

Third, if you have any old debts you never paid off, repay them on the condition that it gets reported to the credit agencies. This will please your old creditors and make you look good to anyone considering you in the future - they'll at least see that you're making an effort.

Finally, don't do the things that got you that badly into debt in the first place. No payday loans, no heavy borrowing - live within your means, and stay there.
About the Author

Teve Torbes is an expert owner of a flea control site, who knows a whole lot about flea bites. He has also created a valuable inflatable air mattress site.