*Loan,banking and credit>>>credit repair

How do i repair my bad credit history?

pay your debts.
pay your collections.
pay your charge offs.
get current on your bills.
keep less than 50% balances vs high credit limit

let time go by Source(s): www.myfico.com

Time passing while paying debts on time.
Time
Time
Time

Good Luck
First things first, pay your current obligations on time. Be determined to never be late or miss a payment. Next, read the FCRA and FDCPA and make sure you're knowledgeable about terms like "debt validation" and "cease and desist". That is your primary means of getting collection agencies to leave you alone and remove old items.
pay your outstanding debt.
If you lived in GA, we could help. But other than that, why don't you search for a "sub-prime" lender in your area and ask them to recommend a credit repair program or specialist. They will all have someone that they like to use.

Taking stabs in the dark to repair your credit could result in damaging your credit further. You will receive a lot of advice from well meaning individuals. Most of it will appear to be beneficial, but sometimes doing the right thing will still hurt your credit score. No one can tell you for certain how to fix your credit until they actually see your credit report.

Best of luck.
Mortgage Broker, http://www.losethearm.com