Answer: -First get a copy of your credit report, if you've been turned turn recently its free. myfreecreditreport.com you can get one there also. Then you need to dispute all the negative items on the report and state the reason why. it could take up to 30 days but if you do it online it just takes a few days. If the negative items are wrong then they must be removed, if they are right then they stay on your report, but you can write an explaination which sometimes helps. -There's really no fast way to repair your credit. The best thing you can do is start paying down any loans (car loans, credit cards, etc). Make sure to get the payments in on time, and pay more than the minimum amount due. -There really is no way to repair credit the fast way..you can get a credit card, buy small things and put it on the credit card and when the bill comes pay in full. -The only way I know of is to get yourself put on someone else's credit cards that has an excellent rating. Of course, your bad rating will pull theirs down, but if they're willing to do that for you.... -Depends on contents of the report. I helped already many people with this matter. its part of my business.email benzschwartz@gmail.com