If your credit is in bad shape, repairing it can be one of the smartest things you do in 2017.

Removing negative items from your credit report can help improve your FICO score, making it easier to:

• Buy or rent a home
• Get insurance
• Buy a car
• Get a job

A higher credit score can especially pay off in lower interest rates when you go to acquire a mortgage or car loan.

That’s why so many people try to repair their credit. Many of these consumers turn to professionals for help, but experts warn you to be careful, as scammers are everywhere.

In truth, there is nothing a credit repair company can do for you that you can’t do for yourself. Still, some consumers are more comfortable seeking the help of a professional.

In case you are among them, we’ve partnered with Debt.com, accessible through our Solutions Center, to match you with reputable, trustworthy experts. They can guide you through the process of repairing your credit.

Whether you go the DIY route or seek out professional help, there are some things you should do, and things you should avoid. Let’s start with the things you should do:

Get free copies of your credit reports

Visit AnnualCreditReport.com to get a free copy of your credit report from each of the three credit reporting agencies. Then, thoroughly scrutinize the information in the reports for errors, omissions and fraudulent accounts.

Be on the lookout for negative marks that should have dropped off your report because they’re more than seven to 10 years old. Most bad items drop off by seven years.