Answer: -I used credit assistance network.They did a good job, but took a long time.My bad credit was from my ex and not my fault. -Who is a reputable repair organisation?This is important, there are NONE. They will all take your money, and do very little. -The above answer is correct. There are many companies that will promise to fix your credit, but they are all rip-offs. They charge large sums of money, and all they do is write form letters to credit reporting agencies disputing everything on the file. In many cases they do more damage than good, as they often dispute accounts that are in good standing as "inaccurate and obsolete", and if that creditor does not bother to respond to the dispute, the good account is removed, further damaging your credit. It is most often the negative account holders who will respond to the dispute, verifying the information as accurate, causing it to remain on file.There is no such thing as a good credit repair organization. Anything they charge you to do, you can do for free! -Hello, Good answers. Your credit not "broken". Credit is really a simple a fact based historical record of your credit usage and payment history. If there are errors that is a different situation, and there is some "art" to understanding the best ways to try to correct any errors.Also if there are outstanding bad accounts, you may want to consider paying them off. Again there are some things to consider before going that route. -Pay the bill on time, every time.Pay the bill on time, every time.Pay the bill on time, every time. -That's a very easy question and I have a very simple answer ---- NONE! If you want, you can hand me your money and I will do what credit counselors do --- NOTHING! -you would be better off trying to negotiate with your creditors yourself. there really is no quick way to repair your credit.