These steps will not only help those who have a very low score. They will help those that need a more comprehensive understanding of their situation and what they can do to improve it today.
It stands to reason that you cannot fix a problem if you don't know it exists in the first place. So, you need to find out your credit score through a reliable source to determine how bad the damage is.
To run your credit for free, try first visiting Annual Credit Report.com. This site provides users with one free credit report every year to give you a decent picture of how you're registering on the credit scale.
Your free credit report will provide you with information on the pieces of your financial puzzle that harm your credit score. Three main factors are more than likely dragging you down.
The first is that you don't have enough credit. Much like the scenario we laid out above, if you are young and only have one credit card that you've maxed out, then it's likely that your available credit is low or non-existent.
The first thing you can do to repair your credit score is start paying down your credit. Unfortunately, however, not many of us have expendable income.
We have two words for you if this is your situation: communicate and respond. Don't ghost your creditors. It won't work, and ignoring the problem will not make it disappear.