Building your credit is already a long-term process. Repairing bad credit after your score has taken a hit, whether you’ve missed a single payment or declared bankruptcy, can seem even more daunting.

Your credit report, history and score all wield a huge amount of power over your finances — so you want them to be in tip-top shape. $15 off enrollment offer Free credit score analysis Three plans to ...

Sean Messier is a personal finance writer with a focus on credit. He’s written for Credit Card Insider, plus several other national and global brands. kupicoo / Getty Images Building your credit is ...