If you have less than perfect credit, and you've ever tried getting a loan or credit card, then you know just how much poor credit can cost you.

So, the next step to getting yourself completely out of debt is learning how to clean up your credit file!

Many people think that by paying on time they automatically have "perfect" credit.

But that's not always true - if you have too much credit available to you if can hurt your credit, even if you don't use all of it. So can having high credit card balances, even if you pay on time every month.

You Can Repair Your Credit

Also, most people think - incorrectly - that once something bad goes on your credit report, it will automatically stay there for a long time. That's not always true, either.

Fortunately, there are ways to remove even the MOST damaging items on your credit report...and to do it legally and honestly!

Keep in mind that debt negotiation does go on your credit report, and it can lower your credit score. And that's where credit repair comes in.

The first step is to get a copy of your credit report. Even if you THINK you have perfect credit, it