You’ve probably seen advertisements for credit repair on tv, radio, the internet, or even on the side of the road. The good news is that you don’t have to hire a professional to fix your credit. You can do all the same things a credit repair company can do, so save some money and the hassle of finding a reputable company and repair your credit yourself.

Your credit score is a numerical reflection of all of the financial information contained in your credit report. Credit reports come from one of three credit bureaus: Equifax, Experian, and Transunion. Creditors and other companies send in financial information related to you and other consumers to help build an accurate representation of your creditworthiness.

New credit tips: Note that it’s OK to request and check your own credit report: this won’t affect a score, as long as you order your credit report directly from the credit reporting agency or through an organization authorized to provide credit reports to consumers.

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Judgments may be reported for up to seven years from the date the lawsuit was filed or until the governing statute of limitations has expired, whichever is longer. Most statutes of limitation are shorter than seven years, so that is the likely maximum time a judgment or lawsuit will show up on your credit report. To be sure, check your specific state laws for details.

Don’t Close Unused Credit Card Accounts – The age of your credit history matters, and a longer history is better. If you must close credit accounts, close newer ones. Be Careful Paying Off Old Debts – If a debt is “charged off” by the creditor, it means they do not expect further payments. If you make a payment on a charged off account, it reactivates the debt and lowers your credit score. This often happens when collection agencies are involved.