If you have poor credit score, don't blame anyone. Instead, take the responsibility now and develop an action plan. Here are a few steps you can take right away:

1. Identify the causes

First of all, you need to identify where your problems lie. Order your credit reports from each of the three major credit bureaus. Read each report and note down all the negative records. These include late payments, unpaid bills, too much debt and so forth. In addition, look for erroneous records such as misspelling of your name and address. You should be able to see what your problems are after reading your reports.

2. Identify possible solutions

Once you understand what your problems are, you can start researching for possible solutions. Some problems are quite easy to fix. These include erroneous records such as misspelled name or invalid social security number. You can write in or call up the credit bureaus and ask them to fix the errors.

If you notice your debt is too big to manage, you may want to pay down your debt as soon as possible. Fixing a debt problem required more time and effort. You may have to find a second job or other source of income to reduce the debt. Cutting down unnecessary expenses will greatly help too.

For each problem you identify, you should come up with at least one possible solution.

3. Take action immediately

Once you identify the causes and solutions, devise an action plan immediately. For each possible solution, put in a deadline and a reward. Whenever you complete the task before the deadline, reward yourself for a job well done. The reward should not cost you too much money.

If you have problem working out a plan, you can seek professional help from non-profit credit counseling organizations. They have experienced staffs who can work with you to help you develop a personalized strategy that expressly addresses your credit problems.

Your credit score is important to your financial health, so it is worth your efforts to try and get it fix as quickly as possible. As you put your plan into action, you will inevitably face some setbacks or interruptions. Try your best to stay focus and continue to work on the plan. Fine tune your efforts based on the results you received. Your credit score will bound to go up as you continue to work your plan.