The following essay attempts to pinpoint different means of correction of an unhealthy credit count, which should assist the holders of insufficient scores.

The credit report needs to be procured from any of the three reporting agencies, namely Expedia, TransUnion or Equifax to begin with. The report should reflect the situation of debts unpaid along with the span of the credit history to make you understand their role in making the score inferior with a help from some more factors.

These reports are not foolproof and hence should not be taken at face- value. Cross verification of the report is certainly on the cards, and finding faults in it should be promptly referred to the same report issuing agency together with the documents attesting one's claim. Inquiry of the complaint will be initiated by the agency and on receiving confirmation from the creditor; the agency would send a revised report free of cost, after making necessary amendments in their records.

The rejection of the complaint would make the repayment of the debts mandatory. One should not forget that the late disbursements will be exposed in his credit report for next seven years. The said records will be kept for ten years if a petition for bankruptcy is filed.

Repayment of the unpaid debts can only be done in small installments as full settlement of the total debts is out of question. The unenviable effects of such petty payments on the credit report should be withheld by chalking out a new itinerary of disbursement with the creditor.

Once the new schedule is mutually agreed upon, the debtor should honor the commitment under any circumstances, by planning meticulously to generate the required surplus funds. Abstinence from not only luxurious but also some essential commodities should begin immediately on war-footing along with drastic cuts in daily expenses should help the debtor to meet the schedule. As soon as the funds are accumulated, the loan charging highest interest should be settled first. The repayment of the loans in descending order of interest rate is advisable.

Once the momentum of repayment schedule gains speed, one would be eager to step on it to increase it, by willingly make more sacrifices and cut off expenses further to save more. This urge to save can help one to settle and cancel all of his credit cards barring two. The two withheld cards should be the oldest running ones, the ages of which would help to add some precious points to your credit count.

A similar method of disbursement can be adopted for loans attracting fixed rates of interest. While the count of creditworthiness can gain an impetus for staying current in the short term under these principal, all surplus disbursements, in the long term, can be understood by higher interest charges.

The urge to set the credit count correct, can make a debtor seize every single and minor opportunity to avail generation of funds. One more style of generating funds is through interest earned on savings. Notwithstanding the adversities being encountered financially, all possibilities of depositing something in the savings account should be availed and which would make the creditors feel and realize cent percent commitment of the debtor to recover from ground-hugging situation.

The debtor with such unyielding desire to revive his credibility would abstain from consumption of his favorites not only for few weeks, or months but for a very long period of his life till the desired credit count has been accomplished. At this juncture, it should be completely safe on the credit scale, for the debtor to restart consumption of the long abstained items and his old style of living. But the past experiences should have made him wise enough to refrain from repeating the previous mistakes which led to his devaluation. And, in case revival of his comfortable lifestyle after being deprived for such a long period makes him throw caution to the winds; his return back to square one is a distinct possibility. The choice is ours and we should accept the responsibility gracefully for our situation of either type.