When you've got bad credit, the effects spill over to other aspects of your life.You can have a tough time getting a place to live, a car loan, and a mortgage. Your ability to get car insurance may also be limited.So how do you fix the bruises on your credit report and move into the world of good credit?Listen in on today's episode of Consumer Ledger and you'll hear Gene and Jay talk about the five simple steps you can take to move your credit out of the red zone and into the green.Can't see the audio player? Click here.