Usually if your credit rating has suffered some relapses either due to bankruptcy or to paying your credit cards off slowly, just one missed credit card payment can affect your credit rating. Local credit rating corrections credit agencies can help you. Of course, the only time you would get in touch with a local credit rating corrections credit agency is if you have been turned down for a credit card. Once you have been turned down for a credit card, you will receive a notice in the mail telling you why you were turned down for credit. The information will also disclose which credit reporting credit agency gave you a negative credit rating score. Your options are then to find a local credit rating corrections service and try to repair your credit rating. Of course, you also have the option of either writing to the credit reporting agency that gave you a low score to find out what is affecting your credit scores or you can go online to their website and pull out your information. You can find what store or provider of services turned in a negative report on you. You can then make restitution if it is a legitimate debt or you can contest it, and the credit reporting agency that is sending out negative credit scores on you has to try and mediate the dispute. Or, you can contact a local credit rating corrections services credit agency and let them help you to improve your credit rating.