Many families are financially strapped and max out credit cards.
Repairing Credit Problems Since many families have been in this situation before, we thought we could help those of you who are currently having credit problems. If you're having problems getting credit or paying your monthly bills, you might look to businesses that advertise quick and easy solutions to credit problems. But there are really no instant solutions to repairing your credit. Although some credit counseling companies guarantee to repair your credit or give you your money back, there are usually strings attached or you won't be able to get your money back for one reason or another. There are certain things you can do to begin repairing your credit, but you must take the time, have some patience, and follow the law.