If you have got your credits all messed up and are therefore being denied credit, then start taking steps towards credit repair. First of all try getting help from your local credit counseling services to work out a plan and a budget. Also check with your employer, bank, credit union, or housing authority for no-cost credit counseling programs. Before you begin your credit repair, know your rights under the Far Credit Reporting Act. These rights will help you understand how to proceed. Now say thanks for the information that I have given you!