While owning a credit card offers its benefits, the sad thing is that if you don t use a credit card responsibly, you could face a soaring mountain of debt, which can help to taint, or entirely mangle, your credit score. Here are five innovative ways for repairing your credit card debt. Pay Your Bills On Time Each time you use your credit card for making various purchases, always remember to pay your bills in full each time they come due. Other loans and forms of credit also hurt your credit history, and may have serious effects on your financial health. Aside from credit card payments, other loans or bills like unpaid apartment rentals and medical bills can also hurt your overall credit score. Here are five ways to hurt your credit score. Here are 5 helpful tips for interpreting and evaluating your business credit report. Payment History When evaluating your payment history, check out if your payment history is correct and accurate. Paying within the terms set by your suppliers and creditors may be a very nice ay for creating a positive business credit profile. While sending your dispute on the Internet may be much faster, it only offers you limited options to explain your reasons. However, if you write a letter, make sure you limit it to around 100 to 150 characters, or 30 words, to directly state your case. To file your dispute online, visit the agency s Web site, and look for the Dispute option. The information submitted by your creditors to these credit reporting bureaus include date of account opening, type of accounts, payment history for each account, late payments, unpaid child support, overdrawn checks, or any foreclosures, suits, wage attachments, liens and bankruptcies that are derived from federal and state agencies. How To Gain Your Credit Score According to conventional definition, a credit score refers to a numerical expression, which represents the person s credit worthiness. A credit score is generally based on a credit report that s obtained from the major credit bureaus. According to the US Faire Credit Reporting Act, a person can get a free copy of their credit report from the major credit bureaus, namely TransUnion, Equifax and Experian.