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It's better simply to take out and start again at another time. Simply a day free of trading will help you out of your funk when you choose to trade again. Fixing your credit can lead to paying less money in interest. A lower credit history means higher interest rate in your charge cards along with other loans, which means you wind up paying more in finance charges and interest. Repair your score and drop these rates in order to save more cash. In terms of personal finances, pay yourself first. When you get paid, put at the very least ten percent of your pre-tax income into savings prior to using your pay check to do other items. When you get from the practice of carrying this out you may never miss those funds and you will probably be building your savings account. Working with a credit repair company will help you with several of the legwork involved in cleaning up your credit report, but beware of shady companies that make false or misleading claims. 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