There are many ways that an imperfect credit score can affect your life. This can be especially frustrating when your credit mistakes are far in your past. It is time to deal with your debt and get back on the road to good credit. This article contains advice that will help you. If credit repair is your goal, create a plan and stick with it. You must be committed to making real changes in the way you spend money. Stick to the essentials, and avoid frivolous purchases at all costs. Look at your purchases closely. If you cannot afford something, and you do not need it, do not buy it.…