To get credit or loan is not easy task. You need to have good credit score and good background check. One time you get loan, do not waste it. Pay the loan regularly and on time, never late. Everyone knows that you want to build good credit score; you have to pay back the loan, any loan on time. For some reason, you pay late because of emergency situation such as your wife deliver the baby, family member get sick and so on, you need to re schedule the payment with your lender. Never look down lender company because they can give you bad credit score.
People, sometime they feel afraid to fix their credit by themselves because they do not have enough knowledge about it. So they prefer hiring professional financial administrator. That is not cheap. It depends on how bad your credit score or because they do not have time to do it.
What you need to do is do searching about how to fix bad credit. The point is you have to gather all your loan, write down on the paper when it is the due date; how much you owe, fees and so on then you start calculate how much money you can pay to them. If your money is short, come to meet with the customer service to reschedule your payment.