What is involved with repairing bad credit?
Ultimately, there are no secrets. The way to repair bad credit is start making regular payments on your existing debts. This includes any credit credits you have, even if the payments are the monthly minimum. Even if you’ve had late payments and other negatives reported in the past, they won’t show on your report forever and consistent on time payments will gradually improve your credit score. Additionally, keeping a reasonable debt to income ratio will help things as well.