“ Thanks for your submission. I would like to comment that the first thing you will need to perform is to see if you really need repairing credit. To do that you will have to get your hands on a copy of your credit report. That should not be difficult, since government mandates that you are allowed to be issued one free copy of your actual credit report annually. You just have to request that from the right people. You can either check out the website owned by the Federal Trade Commission or perhaps contact one of the leading credit agencies right away. ”