When it comes to your credit - it really does mean alot. So if you have bad credit you may want to think about a credit repair service. My sister and her husband could not get a home because he had terrible credit. The thing is that he had bad credit because he did not declare bankruptcy…that is just wrong. He was doing exactly what he was suppose to - paying it off but it was not good enough and his credit is just in the toilet. Good thing she had good credit which is why she did not take his name when they got married.