Knowing when to turn down easy money in the form...

Knowing when to turn down easy money in the form of credit can help keep the credit score at a reputable level. Credit: iStock

You see the ads on late-night television promising to fix your credit, "guaranteed." Don't bother. They can't do anything that you can't do yourself, and if they're not a reputable company, they could do more harm than good.

Here's how to DIY.

NewsdayTV's Doug Geed is heading 'Out East' to showcase the ultimate local spots you need to explore. Credit: Randee Daddona, Michael A. Rupolo Sr.

Out East Show: Visit The Shamrock evergreen maze, Sannino Vineyard, Seven Ponds Orchard and the Warrior Ranch Foundation NewsdayTV's Doug Geed is heading 'Out East' to showcase the ultimate local spots you need to explore.

NewsdayTV's Doug Geed is heading 'Out East' to showcase the ultimate local spots you need to explore. Credit: Randee Daddona, Michael A. Rupolo Sr.

Out East Show: Visit The Shamrock evergreen maze, Sannino Vineyard, Seven Ponds Orchard and the Warrior Ranch Foundation NewsdayTV's Doug Geed is heading 'Out East' to showcase the ultimate local spots you need to explore.

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