Bad credit unfortunately can make life very difficult if you are in the market of a substantial purchase that needs to be financed though a loan.  Indeed your credit score is the determining factor in the interest rates finanical instution are willing to give for that loan and if your score is bad, in all likelyhood the interest rates will be receiving will very high. Credit counseling firms abound nowadays, each with its own set of promises which often times cannot be kept because they could be, they would be illegal. In the case of bad credit repair counseling, there is nothing more important than to do your own homeword and your own repair.  Fortunately, you can now achieve this wil the help or credit repair toolkit, a counseling self help knowledge source that will make your goal of improving your credit score a reality.