Repairing your credit is very doable, you would just need to arm yourself with the proper knowledge to make sure your efforts are effective.
To begin with you want to be aware of your rights under the law.
This is what makes the whole process possible.
The first way you can use to repair your credit involves building new credit.
Your credit score formula looks at the amount of current and established credit you have and plugs that into the formula to come up with a credit score.
That is why concentrating on new credit is important.
You can start by applying for secure credit cards and loans.
These types of accounts are made so that you can re-establish your credit rating and most will not turn you down.
They understand that you are in the process of rebuilding your credit rating.
They work by you depositing a certain amount of money as "collateral" and you are given that same amount as a credit line.
The account will be reported to the credit bureaus and will show up on your credit reports.
Your job from that point onwards is to make sure you make timely payments.
The next way to repair your credit rating is to work to have current negative items deleted from your credit report.
These items are more than likely putting a dent in your credit rating and having them deleted will work to your favor in the future.
You can accomplish this by "disputing" each account with the credit agencies.