Fixing past credit mistakes may be complicated. You should start by getting your budget balanced. You should not be spending more each month than what you bring in each month. If you are, then straightened that out immediately. Cut out all unnecessary spending and charging. It is critical that you get your budget and debt repayment plan balanced while making all debt payments on time. Not making on-time payments each month increases the late payment fees you will have to pay, bring about increased interest rates and continue to affect your credit rating negatively. Once you start making and continue to make your monthly debt payments on time, you should see your credit score begin to rise.