Improve your credit score during a financial hardship

Step1

Gather all of your bills.
Take a good look at them without crying.
learn these simple rules of importance.

Step2

Do not pay the bills that nag you and call you more just because they are nagging and calling. Those are usually the bills that have no collateral and cant take anything back from you. an example would be like a gym membership or credit card...
First only focus on what can hurt you more. Those are your mortgage, car loans...

Step3

make sure you call all your loan companies and explain to them your situation. Not picking up the phone and avoiding them is the easiest thing to do but the worst. (believe me I know). No one wants to admit they are struggling, but honestly what is the worst they can say to you? Tough luck, Pay up? No.. Believe me, they appreciate you letting them know because it seems you are concerned about paying it and you are not avoiding it.

Step4

Sometimes, when you talk to credit card companies after missing a payment or two, you can speak to them and ask them to lower your interest rate for you and maybe set up a payment plan that is much less than your minimum until you get on your feet. That may be documented on your credit, but it is better that non payment being documented.

Step5

Any monies you have, ration them out so you have some for daily life and some for your bills. Do not give up responsibility just because you have a small set back. Dont be afraid to ask for help as well, need be your family, the government or what ever. keep in search of a job to get you back in gear.

Step6

Downgrade the service in your cable, phone, cell phone, internet, or any other luxury. try to save anywhere you can.