If you have, bad credit gets a DO-IT-YOURSELF-Kit and gets the balls rolling. You can go to your public library and get books that will guide you through the steps of repairing your credit. Most libraries allow you to copy and print forms that you must fill out and then send to your credits. 

There are systematic guides at your local library that has the tools for instructor debtors how to write letters to creditors. Letters are probably better than phoning creditors, since some creditors could care less about your situation and may threaten you. Another good reason for writing letters is that (copy in writing) is more valuable in a courtroom than a conversation on the phone. If something is said or an agreement is reached and the creditor later denies his or her claims then you can present this to any courtroom and they will listen to you first. 

Any documents that pertain to your credit history should be stored in a safe area. If you send letters to your creditors keep a copy of each letter sent and store it in a safe area. You do however have to dispute the charges with the services or stores that sold you the product or service. If the sources refuse to give you an item usable, or else reimburse you for a service or product you have the right to deny payment. 

Once you have disputed the charges with the sources you will then contact your card provider and let them know what occurred. If you are lucky enough to have a credit card with bad credit, use the card to repay your debts and then meet the monthly installments on the credit card each month. Ironically, you are getting out of debt while going in debt deeper. It is a solution when all else false. 

In other words, if you use the card to pay your debts each month and then payoff your credit cards the following month and then turnaround and uses the card to pay that month bills....

Now you see where I am going. Credit cards have interest rates so the bills each month on the card will increase. 

No, Credit...No Problem

I do not need a credit line or credit card; I pay all my bills each month with money. Is this you? 

Well then, you have the obvious answer, but what if...