Credit report repair is not something you can accomplish overnight. It took time for your credit report to become damaged, and it’s going to take time to get your credit report fixed. Follow these steps to get the credit repair process started and improve your credit score.

Time Required: Approximately 30 to 60 days

Here's How:
How To Repair Your Credit Report

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Since I'm researching this, you might as well learn something too. ;-)
Surprisingly they say not to close out old credit card accounts, and to spread your spending on more than one credit card to keep your monthly balances low. All this time I thought having one card that I paid off in full every month was more responsible. Guess not.

Read Top 9 Ways to Improve Your Credit Score for full explanations!
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Tags: money