To repair your credit, these are companies that do this for a fee.  They charge differently with a one time consulation for a fee, then if you stay with them longer then the charge will increase, but it may take a while to get your credit score up where you can qualify for a loan.  Also some folks have NO credit, as they pay cash for everything or us a pay-day loan.  One just needs to talk to any lender or a credit repair company to get ideas and how to accomplish this.  Landmark Credit Repair has opened a new office in Tyler on Old Bullard Rd across from Rice Elementary school.  This company also has an office in the Canton area and several others.  Again always ask their fees and how you will pay them.  You certainly don’t want your credit hurt by NOT paying them what you agree.