Fixing your credit score can be very stressful at times and it feels like it’s never ending where the bills keep piling in and it seems like you’re making no progress. While most people tend to just give up and declare Bankruptcy, there are many ways you can fix your credit score and start off where you started when you first grabbed your first Credit Card.

A new version of FICO’s credit score formula will raise the scores of people with medical debts, or who paid off other debts in collection but people with unpaid debts on their record that aren’t related to health care would see their scores fall, making it harder for them to get a personal loan or credit card, or raising the interest rates they’ll have to pay, FICO said.

Everyone knows the value of having a good credit score — apply for mortgages or credit cards and get the lowest interest rate possible because you have a 721 FICO Score. There are also a lot of Americans, especially in today’s economic times, who know how difficult it is to even qualify for those same mortgages and credit cards with a 521 FICO Score.

If you have bad (a 500 credit score to 580 credit score) to poor (a 581 credit score to 639 credit score) credit but want to increase your FICO Score by 150 points then read on to find out how to boost your credit score in the next 6 months.