The bottom-line is that having a low FICO score can be harmful for your credit. Not to mention the fact that you will be considered a risky prospect by lenders. So, what should you do about it? The best way to counter this is to boost credit score. There are some ways you can perform credit repair and get your FICO score up to the level it should be at. You might not take this seriously but following a few tips is all it takes for you to boost your FICO score. Don’t believe it? Just try the following credit repair tips and you will see for yourself:

1. It's True: You Really Can Boost Your FICO Score And Here's How...
Discovering that you have a low FICO score can be devastating. The effects of a low FICO score include:
• Having to pay an interest rate higher than the going market rate on your loans
• Going through a more stringent screening process than usual when applying for a loan
• Lack of options for obtaining credit
• Higher premium on insurance
The bottom-line is that having a low FICO score can be harmful for your credit. Not to mention the fact that you will be considered a risky prospect by lenders. So, what should you do about it?
The best way to counter this is to boost credit score. There are some ways you can perform credit repair and get your FICO score up to the level it should be at. You might not take this seriously but following a few tips is all it takes for you to boost your FICO score. Don’t believe it? Just try the following credit repair tips and you will see for yourself:
 First off, you need to locate a reputable credit repair company. There are many companies that claim they can repair your credit but not all are made equal. Therefore, it is important that you choose the best possible option. You need to find one that will help boost your FICO score in multiple ways to ensure that there are no shortcomings.
 Hand over a copy of your credit report to the credit repair company. First, they will go through the report with you and analyze it. Should there be any discrepancies, they will point them out and have them rectified. After doing so, they will then address any imbalance in your credit report. For instance, if there are too many negative marks on your report, the company will offset them with positive ones.
 Avail the inquiry removal service to have any recent credit inquiries stricken off the record. Fair, Isaac & Co clearly state that people who have six or more credit inquiries on their credit report are likely to go bankrupt in the future. By hiring a credit repair company, you can remove credit inquiries from your report.
These are some of the tips you can follow for credit repair to boost your FICO score. The best thing about this is that you don’t have to spend any money. However, just because you have got your FICO score back up doesn’t mean you should go about ruining it again. Be more careful with your spending in the future.