<human>:  What should I do if my credit score isn't good?
<bot>: If your credit score isn't good, you should start by reviewing your credit report to determine what factors are negatively affecting your score. You can then work to improve these factors, such as paying down debts, closing unused accounts, and limiting new credit applications. Additionally, consider working with a reputable credit counseling service that can help you work on establishing a budget, finding ways for you to save money, and developing a plan for improving your credit score.