For more information on how to dispute errors on your credit report, visit Federal Trade Commission website at: http://www.ftc.gov/bcp/conline/pubs/credit/crdtdis.htm.

6. Apply for a credit card. If you're rebuilding your credit history, consider applying for a secured credit card. To get a secured credit card, you'll need to deposit funds with credit card issuer and your credit limit is usually equal to amount you deposit. A secured card can be used same way as an unsecured card and your timely payments will help to improve your credit history.

7.Apply for a department store or gasoline card. These cards are usually easier to get than major credit cards and they come with smaller credit limits.

8. Establish an account at a credit union and take a loan out on it. This is a secured loan. You'll have to pay interest on loan, but if your payments are reported to credit bureaus, small interest fees will be worth positive information that is added to your credit record.

9. Don't max out your credit cards. Maxing out your credit cards can hurt your credit score. Try not to use more than 30% of credit you have available to you. Part of your credit score measures amount of credit that your have available to you and how much you're using. The more credit you're using, more negative impact on your credit score.

10.If you get into trouble with your credit, get help. Don't wait until creditors send your accounts to debt collectors. If you can't make a payment contact creditor and make arrangements to make payment. If you feel that you're over your head in debt get help from a debt counselor

You can contact Equifax, Experian, and Trans Union at:

Equifax: http://www.equifax.com/ Experian: http://www.experian.com/ Trans Union: http://www.tuc.com/

So if you think that you have to wait until you win lottery to start learning about money, think again. Now is time to start, while it’s all very small. You can’t hurt yourself too badly when your bank account is small, and you can learn a whole lot. It’s never size of your bank account that matters—it’s how you deal with money, no matter size of your bank account. And in this case, size does matter and smaller is better. Good luck on implementing this top wealth creating habit!