Once you order a copy of your credit report, you need to make sure you have a list of everything that is on there that is a quick fix.  For instance, if you have a past instance that was in collections and it is still on your credit reports you might want to call and do a pay for delete.  This is a fast credit report repair tactic that is relatively painless and will make a difference in your credit rating.

Another thing that you need to do fix credit fast is pay off your debt.  Creditors want to see that you have outstanding debt that is less than 30% of your available credit.  If you are close to maxing out your credit cards, that can make a negative mark on your credit.  Even if you are someone who uses their cards frequently and then pays them off, it can cause creditors to view you as a risk.

Contact your credit card companies to see if there is anything that they can do for you.  They might offer a program to help you pay off your debt faster.  See if they will lower your interest rate, even if it is only for a little while, anything will help.  Companies want you to pay off your debt, yes, they like the interest, but in this economy, they would rather get their money with less interest then not get it at all.

The first thing you need to do is stop using your credit cards.  If you do not have the cash to buy it, don’t get it.  We know how hard it is and how easy it is to rationalize these little charges here and there.  Those little charges all add up and before you know it you are another thousand dollars in the hole.

Once you have made the commitment and have stopped charging you need to pay off all of your high interest credit cards. The ones with the highest interest need to go first.  Once you have those paid off you can go after all the other little debt that you have.

Contact the customer service departments at any department store card or retail store card to see if you can get your interest rate lowered.  If you have a good history with them and you have been with them for a long period of time you may find that they will work with you.  Even if they offer you a promotion for a certain amount of months it will help.  A fast credit repair is doable.  You just have to put your mind to it, make your phone calls and get your life and your debt organized.