If you want your dollar to go farther and your borrowing ability to increase then you need to clean bad credit from  your credit report as soon as possible.
This is especially true in the tight economy we are currently in and if you have bad credit yin today's world you will be left behind.
Tips To Clean Bad Credit  and Increase FICO Scores 1.
  Get Your Current Bills In Order The only way you are going to be able to begin to improve your credit is to start paying your current debt on time and make an honest effort to pay it down as quickly as you possibly can.
Also be sure you avoid late payments as this will degrade your FICO score faster then anything else.
2.
Budget your Money If you are not aware of how much you have to spend in a month you will not be able to clean your credit.
instead you will eventually end up doing the same things that got you into trouble in the first place.
Things like overspending, paying late and abusing your credit are easy to do if you do not plan to avoid the with a budget.
3.
Fix Your Credit Report Under Federal law you have the right as a consumer to dispute any information on your credit report.
You should use this law to our advantage and slowly over time dispute any negative accounts that maybe dragging your scores down.
In most cases you can get a fair amount of these removed and the positive impact your scores is huge.