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Here's how you too can use plastic to your advantage: 6. "Try to work with your credit card company to work out payment agreements," urges Lita Epstein, author of "The Complete Idiot's Guide to Improving Your Credit Score." "If that's unsuccessful, work with a credit counselor from the National Foundation for Credit Counseling to come up with a repayment plan," she says. It's possible, but you need to offer a lump sum, and most creditors require borrowers be at least a few months behind.