You may see many ads for bad credit repair services. A reputable bad credit repair service will help you realign your debt and get into good money management habits. However, credit repair takes time – there is no immediate fix. If you're consistent, you can repair your credit score significantly within a couple of years, particularly if you take out a bad credit mortgage or loan. Making payments on time to your mortgage company is the best way to improve your credit. You may have to pay a higher interest rate for a year or two, but it will be worth it in the end. Live frugally so you can buy the house of your dreams with a low interest mortgage you get with your improved credit rating!