Besides going to the bank, you can also go to a credit repair company. You don’t need to spend much time going to bank or credit card publisher to fix your bad credit. Hire a credit repair service, then you can save everything. You have to pay for repair services. A credit repair service will help you review your credit report and tell you what's wrong in your credit history. They will remove the negative marks that stay on your credit history. It takes time, but it is worth the money as it can repair your credit without wasting much time in fixing it.