Can you identify with that trend? Consider seeking consumer credit counseling. They can help you alter your spending habits and discover smart, long term goals for repairing your credit and managing your debt. It is better to start early -- don't wait until you are in trouble to call a consumer credit counseling agency.
Some consumer credit counseling is fee based, depending on some improvement in your situation. If they don't get you the promised results, they get no fee. If they do succeed, the fee is small enough that it will be worth it by improving your credit score.
