Thanks for the recommendations on credit repair on this amazing site. What I would offer as advice to people will be to give up a mentality they will buy today and pay later. Like a society we tend to do this for many issues. This includes holidays, furniture, plus items we want. However, you need to separate a person's wants from the needs. While you're working to fix your credit score actually you need some trade-offs. For example you'll be able to shop online to save money or you can visit second hand outlets instead of costly department stores with regard to clothing.