How do you fix or repair your credit if its destoryed already.?

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1. you try to rebuild it, make sure you're paying everything on time, that you have a large margin between your credit card debt and your credit limites. there's no quick-fix
2. There is no quick fix or repair. All you can do is rebuild your credit once it's damaged. You can do this by using credit cards, even if you have to use a secured credit card to do it. Use it for everyday things like gas and food be careful never to exceed 30% of your credit limit in any given month and pay in full before the due date every month. This will do two things, first it will establish a payment history and second it will keep your debt to credit ratio low. These two things alone make up 65% of your credit score.
3. The fastest way to rebuild your credit is to establish new positive trade lines and never be late on them. There are many legitimate credit card companies that will approve bad credit, although you will have to pay high interest rates and annual fees at first. Try to apply for a Capital One or Orchard Bank credit card, their annual fees aren't super bad. The next step is dealing with the negative items on your report. Get your credit reports and look them over. If there's any negative information that you think is incorrect or inaccurate, dispute it with the credit bureaus. The creditor has 30 days to verify the information is correct. If they don't respond, it gets removed from your report! However, if they do respond and verify that the information is correct, the information stays on your file. However, most negative information (excluding bankruptcies) stays on your report for a maximum of 7 years. So if you have collection accounts and charge-offs, they will not haunt you forever (although it may seem like it right now).
4. There is no way to erase bad credit from your credit report, but you can improve it. You can start by pulling your credit report form all three credit agencies which are Experian, Equifax, and TransUnion. You can find out how to obtain these for free annually at the U.S. Government website at Federal Trade Commission. Then, follow these simple guidelines to help restore and improve your credit score. First, make sure all the information on your credit report is accurate. Second, try to pay off all or any accounts that are currently in collections or make payment arrangements with the creditor to pay off the balance monthly. Third, any credit card that is over 50% of the available credit line should be paid down to under half of your total credit line. Your credit score is lowered when your available balance is over 50% of your total credit line. Finally, if you have bad or no credit and have no credit cards try to obtain two credit cards and make sure all of your monthly payments are made on time. This will help increase your credit score. If you cannot be approved for a unsecured credit card, obtain a secured credit card. Repairing your credit and improving your credit score is a slow process that takes time.