Whether you've just completed bankruptcy procedures, have an old collection or two, or are trying to pay off your credit cards so you're not in debt up to your ears, you've come to the right place. You're also not alone. Anecdotal evidence suggests that only one in every three Americans actually has good credit. Most of the rest of us have credit profiles that are a little bit…bruised.

While we here at RepairBadCredits are not credit counselors, we do know a lot about how credit works, and when we don't have an answer, we can direct you to someone who does. More importantly, we believe that the best person to fix your credit is YOU. After all, you have the same power of negotiation as any attorney, and are much more invested in making creditors agree to your terms.

What we offer, then, is a collection (no pun intended) of articles and information to help you navigate the treacherous waters of credit repair. We'll explain the inner workings of creditors, and define industry specific terms, as well as providing step-by-step instructions for building your own healthy credit profile.

Welcome to RepairBadCredits.com. We're here to help you help yourself.