There are many way to repair your credit score and may purpose to repair your credit score one of them is if you want to take your car loan or home mortgage you wish to have good credit score when lenders, creditors will look on your credit report. You should consider obtaining first free copy of your credit report from all three credit report agency Transunion, Equifax and Experian. Once you obtain your credit report check out if you have any mistakes on your credit report, account that not belong to you, account that was open in your name without your authorization, credit inquire that appear on your credit score and you are not aware of them , you should consider to dispute inaccurate information from your credit report.