Credit repair is the single most important aspect of any effort to improve your credit score and chances are that some some of negative items causing your credit score to perform so poorly are caused by the way some financial institutions are reporting how you handle your credit card debts. Indeed credit cards amount for an enormous chunk of the average consumer debt.  If you feel overwhelmed by the enormity of it all, don't despair.  First you are not the only one, and most importantly, thousands like you have successfully completed their credit repair by following the 80 simple steps made available in our credit repair kit.  The other good news is that it cost only $14.95.