When you need a loan, you know they are going to be looking at your credit. If you are frowning as you read this, you know your credit report is not what you want it to be, and you also know that there is something you should be doing about it. Your problem may be that you don’t know what to do. Many people have no idea who to fix their credit, though some ways are simply common sense. Above paying your current bills on time, what do you need to know to repair credit score? More on How To Repair Your Credit Score