Answer: -Seriously...there is no way you can repair your bad credit other than paying it off and building your score up this way.Trust me...I used to work for Mastercard and was one of the things we learned in training. Just pay the minimum payment to your creditors (if you can manage it) they HAVE to accept this or set up a payment plan.If they don't accept it then let them pass you to a debt collector...they don't charge interest (most of em anyway) which means you'll pay it off much quicker. -If you don't mind doing a little hard work for yourself, you should do it yourself.get your free credit report at www.annualcreditreport.com, you can get all 3 reports for free once a year. most of them will have the phone numbers of the creditors, if not you will have to look them up. just go through each creditor and if there is a discrepancy call them up. if you owe money and want to pay, tell them you want to pay but what kind of discount can they give you. they all will give you a discount if you ask and let you set up pymt arrangements. you will find that there will be creditors that are on one report and not the other, i don't know why that is, but if it needs to be taken care of just do it. i cleaned up my uncles credit report just like i am telling you. it really is best to do it yourself, it is worth the time. after you clean it up it is a good idea to pay for the annual service that gives you access to all 3 of your reports anytime you want and also they will notify you when someone is requesting to view your report. i have read on msn financial page that you should not make any corrections for mispelled names or accounts that are closed but are still on there, that kind of info does not affect your score.