Answer: -A small loan consolidation works. A loan consolidation with low interest is the best I found interesting information about your answer & options here.i made the mistake of paying of some old credit cards and wtf they still have it on my credit report as a charge off so im filing for bankruptcy and starting over from scratch! im reinstating my credit cards after two or three years of paying them on time I'll be just fine so scewum!!!!I quote from the 2007 edition of the Consumer Action Handbook " If the information is accurate, only time, hard work and a debt repayment plan will improve your credit report. Credit repair companies advertise that they can erase bad credit for a hefty fee. Don't believe it".As far as the judgment goes, dispute it with the credit bureaus and it should show as paid. -There are no quick fixes to repairing your credit. The only way to rectify a poor credit rating is to adopt sound credit practices for a period of time.Follow these simple guidelines to help restore and improve your credit score.First, make sure all the information on your credit report is accurate.Second, try to pay off all or any accounts that are currently in collections or make payment arrangements with the creditor to pay off the balance monthly.Third, any credit card that is over 50% of the available credit line should be paid down to under half of your total credit line. Your credit score is lowered when your available balance is over 50% of your total credit line.Finally, if you have bad or no credit and have no credit cards try to obtain two credit cards and make sure all of your monthly payments are made on time. This will help increase your credit score. If you cannot be approved for a unsecured credit card, obtain a secured credit card.