If you have a bad credit history, you may be used to getting rejected for credit card applications, store card applications and more. If you want to take out a mortgage or a loan, you will need to dramatically improve your credit rating, which may seem impossible right now. Thankfully, just about anyone can repair their credit history, but it will take time.

Here are the top 10 best credit repair ideas that may just be able to help you:

Paying as much as you can - One of the best things you can do to improve your score as quickly as possible is to pay off your credit cards as quickly as possible. This is especially the case if your balance is more than 50% of your limit. This is because your credit score or rating automatically goes down when you owe over 50% on one card. If you can add some of the balance to another card, you could alter your score quickly.

Checking your statement - Check your  card statements every single month in case errors have been made. Consumers usually pay fees which card companies add to their balance, and they often do this without question, but companies have been known to make mistakes that may just show up on your report.

Paying on time - If you can pay your bills on time, do as this act will improve your credit score, no matter how immaterial it may seem. When you make a late payment, or you skip a payment, this action will be noted on your file and it will affect your credit score

Paying your mortgage - If you’re lucky enough to have a mortgage, make sure you always pay it on time as this will affect your score. If you think you may have problems paying on time, contact your mortgage provider as they may be able to give you a few days leeway.

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Taking out a loan - If you need to take out a loan, consider asking your friends or family for help. Chances are they aren’t going to charge you interest, and your credit score will not be affected if you make a late or smaller payment.

Talking to your credit card company - Most companies are willing to convert your credit card debt into a personal loan at a lower rate of interest. This will adversely affect your credit score in the short-term, but being able to pay off your credit card balances will improve it in the long-term.

Creating new files - Don’t fall for a scam and try to create a new credit file. Some companies claim they can help you to do this, but the procedure is an illegal one. If you want better credit, do your best to get your bills paid off as quickly as you can.

Getting professional help - Think about getting in touch with a debt management company. Debt management companies will be able to help you. Because you’ll be making reduced monthly payments, your credit rating will initially be affected and the action will be recorded. Once you’ve made your last payment to the debt management company, it could be six years before your credit score is back to normal.

Spend less - Reduce your monthly outgoings if you can, this means you may have to cut down on those luxury items and unnecessary expenses in order to pay your creditors. This could mean you’ll have to stop spending so much money on clothes, and you may need to reduce the number of times you go out partying. Think about walking to the store or to work rather than taking the car. If you have two cars and you only use one, think about selling one of them. Do all you can to save money by spending less each month on those things you could live without  The  companies that are offering deals with low interest rates will not want to know you; you are simply too much of a risk.

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Another bonus idea -- check out "Best Credit" expertly written by a former debt collector, who adds to what you will have learned in Hidden Credit Repair Secrets such as 'how to legally remove any adverse credit from a consumer credit report, negotiate your old & bad debt, raising your credit score and many more. Again another five star rated book.

Working more - If you can pick up a few more hours at work, do. A few more hours at work a week could make a huge difference to your salary, which means you will have more money to give your creditors at the end of each month.

Following the above credit repair ideas could help you get your finances back on track. Remember, if you are really struggling, ask for professional help from a debt management company, rather than having to deal with it by yourself. The sooner you do something about your bad credit rating, the sooner you will improve it.

Also, if you have any questions, concerns or general remarks regarding either of the best credit repair ideas then please do not hesitate to make them in the comments section just below and we will be sure to respond to you as soon as possible.