When your debts start to make trouble for you, it’s time to really work on them. Check that. You should work on them long before that. The less unnecessary debt you have in your life the better.

Some debt is often necessary for a time. Buying a home, for example. Even buying a car. But when your debts get beyond where you can pay them easily, it’s time to figure out what to do.

Too high a debt load is bad for your credit score. This means that knocking your debts down is one of the most basic forms of credit repair. And you can do it yourself with some determination.

If you start falling behind, the first thing you need to do is contact your creditors. Don’t wait for them to send your bills to collection agencies. Most companies would rather work directly with you than pay an agency to handle it, so long as you keep it reasonable. Talk about what you can do and what you would like them to do for you.

As you work with the credit agencies, you need to figure out how to manage your budget with what they expect of you. If you can keep up on your agreed repayment plan you will be in much better shape overall. Living on a tight budget will be worth your while if it means you can improve your credit score.

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