I understand that credit repair services may not always fit into everyone's budget. I've been in a situation where my credit was poor, and I lacked the resources to improve it. I wish I had known about the available tools to take proactive steps toward better credit, even on a limited budget.

To help others in similar situations, I've compiled a list of free and affordable resources. These are steps you can take right now to start improving your credit, so you're not left waiting and struggling with bad credit.