Getting your credit repaired fast requires that you focus on the things that you can change. To do this, you need to have all three credit reports in hand so you know what you are working with. You will also need a pen.
I am going to briefly go over what to do with your credit reports that you pull from the three credit bureaus: Experian, Transunion and Equifax. First, separate the items by the length of time that they are delinquent 30, 60 and 90 days.
If you have items that are generally paid on time but have no more than 1 overdue payment mark these as goodwill. You need to contact these creditors by mail with a request to remove the overdue payment as a favor. This is known as a goodwill letter.
You will need to submit a different type of letter request for the items that you marked with 30, 60 and 90 days. You will be submitting investigative requests for these items. The creditors and/or collection agencies have 30 days to respond to your requests and verify that these items are valid. If they do not you may then submit a dispute to the credit bureaus to have these items removed from your credit reports. Again, if you need any clarification let me know.