Depending on the status of your credit report, credit repair might not be the best next step to raising your credit score. If your bad credit score is holding you back from achieving your goals in life, credit repair is for you.

Remember, bad credit does not have to follow you. Working with a credit repair company or working to dispute negative items on your own will help clean your credit report and put you in better financial standing. Beyond credit repair, maintaining healthy credit habits will set you up for a successful financial future.

Credit repair services are designed to help those who are most in need of negative item removals from their report. Follow the steps in this guide if you’re ready to improve your credit and reach your credit goals.