These are free steps to repair your credit
Order your free credit report and look it over. Do you see anything you don't recognise? If you see anything like that, you will want to write it down. See where you are in the grand scheme of things. Get the big picture.
Call your creditors.
Stop using your credit cards.
Get current on delinquent accounts.
Keep accounts with balances open.
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Don't put in any more credit applications.
Pay off your debts.
Document your efforts- always handle these disputes through registered or certified mail
Be patient.