Bad credit can constantly come back to haunt you, which is why many people are turning to new techniques (or at least new habits) to help them combat this old adversary. Because bad credit is usually the result of ingrained habits, sometimes breaking out of the cycle can be hard, but it’s definitely worth it when you’re back in the black with your credit scores.

Five techniques in particular that you can use to help your situation out include making sure that you pay your bills on time no matter what, consolidating and attacking your old debts, cutting the cords on your entertainment, using new credit cards wisely, and searching and destroying potentially incorrect black marks on your credit history. [Read more…]