There are a lot of people in the world who are going to tell you they can magically obtain credit repair for you. Many of them are unscrupulous businesses that only want to rob you of your money. A credit history, or credit score does not happen overnight and neither does repairing it. There are many reasons why a person may need credit repair but the important thing is to lower your payments and increase your credit score. Sometimes that is possible, sometimes it is not. There are legitimate places that offer credit counseling which could do some credit repair. Some people choose to work with them in order to make arrangements to pay their creditors over time. Actual credit repair can take years. That is why some people opt for bankruptcy. No one can say which way any individual should go. There are different credit scores and different circumstances for everyone. There are two ways for actual credit repair and they have both been mentioned. One is making arrangements with your creditors and the other is bankruptcy. There are different types of bankruptcy for different circumstances and goals. Trying to obtain credit repair is working in the right direction. How you go about doing it is an individual choice.