It's time to take action and deal with a credit score which is substandard. In today's world, a good credit report is the primary key to getting credit with reasonable interest rates. What once was considered a great score is not considered acceptable or bankable. Today's credit standards are much higher and it is crucial a person learns the right way to repair credit scores which are below 650. That's the standard for any person who would like to get credit cards with average rates.