*Loan,banking and credit>>>credit repair

How do i begin to repair my credit?

Hire professionals; credit repair is a growing industry that uses existing laws in your favor to increase your score quickly. Source(s): www.totaldebtsolutionsllc.com

The number one thing you can do is pay your current obligations on time. Missing a 30 day late hurts far worse than an old charge off. Start getting familiar with the FCRA and FDCPA. Start reading about "debt validation" and other tools that work to your advantage. Be prepared to write a lot of letters!!
Skip town and get a new identity.
Heard this on Good Morning America,

1. pay monthly bills on time.

2. Try to get bills down to 25% of the Maximum, so if you have 1,000 in creditcard Limit, pay it down to leaving 250.00 or less then concentrate on other debt to get it down to 25% or less.

3. Close gas station accounts and retail store accounts, there expensive to have debt and do not count as much in increasing your FICO score. But make sure they have zero balances or the credit companys will think you can't handle creditcards.

4. Keep you Visa's and MasterCards open ? Need to show history of good payment.

5. Don't open new credit, every credit check puts a ding on your score. Be wise when applying for credit.
Billy that was funny! Compile a list of all your MAIN debts. Start paying them off one by one, if you're serious about repairing your credit.
DON'T pay any services to repair your credit! Anything they do for you, you can do on your own for free. The best thing to do is to be diligent about paying all your monthly bills on time, and pay just a little more than the minimum amount. That is a plus on your report. And the suggestion about distributing your debt over several cards is great. If your total credit card debt is $5000, it is better to split that over several cards than max one out in that amount. Also, don't close any unused accounts. Keep your oldest accounts open to show a longer credit history.

To help pay bills on time, set them up for automatic payment, either through your online banking or on each credit card site. You can set it up the day you receive your bill, schedule it for a couple of days before the due date, and you never have to worry about making a late payment again.