A master strategy for dealing with debt should always include a plan for rebuilding one's credit. Time passing and making timely payments to all remaining creditors following a debt problem helps the situation from the start. To accelerate the process a debtor might obtain a regular unsecured credit card or a secured credit card and make very sure to pay at least the minimums by the due date every month. To find out what your credit looks like reports can be ordered online from the major credit reporting agencies such as Trans Union. In some cases the reports can be obtained for free, otherwise they may cost $8-$30 depending on the type of report ordered. Use the reports to know where you are starting from and to look for errors. You should take steps to have false items removed yourself or get a professional to make sure the agency corrects the issue. For more information you can read a complete article. Also, for even more great help you can go take a free online credit course that will help you start improving your credict score right away.