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Your credit score can either save or cost you thousands of dollars over your lifespan. Your first step toward a healthy credit score is to know what yours is currently at. Request a copy of your credit history from each of the three major credit reporting bureaus. You may have to pay to get your credit score.

Once you know your current financial situation, watch this video for some helpful tips on improving it. You’ll learn how you can negotiate with your creditors to settle for less than what you owe.

Bankruptcy can also be an appropriate option for getting your credit history back on track, especially if your debts are too large for you to pay off in a reasonable amount of time.