Do you look at your credit score and see nothing but your past mistakes continuing to haunt you?Do you wish you could improve your credit score so you'd be able to qualify for a better interest rate on a car, mortgage or personal loan?You're not alone. In fact, millions of people take steps to improve their credit standing each year.The problem with most of those efforts, however, is that lots of people fail to lay the proper groundwork before they set upon a course of action to improve their credit scores.In this episode of Consumer Ledger, Gene and Jay give you the roadmap of 4 very simple yet critical steps you absolutely must take before you start to rebuild your credit.Follow our advice and you'll be sitting pretty in no time. Try for a shortcut and you'll wind up in a worse position than before.