offering to repair your credit for get your quotes, free.

Time is the only thing that will help you right now. Do not apply for any credit cards/loans for at least 6 months. Pay all your current bills ON TIME – it kills your credit to be late. You are young so your earning potential will increase. Wait and be patient. It does get better but you have to build up some positive history before you are granted more credit.

just pay your bills on time

By the way, which college do you attend? Macy’s is spelled M A C Y ‘ S (always has been, too)

Time is what you need.

Get a free copy of your credit reports. Look for errors, or open accounts that you have closed, or are not yours. Make sure there are no errors.

Keep a job, and pay any bills you have fully, and on time.

Maybe your parents can co-sign for a car? Just make sure you can pay the bill, and easily afford the payments.

The cards you paid off, are they still open? Will that company allow you to have a card with them again, with a low credit limit?

Keep your nose clean, and with time your credit will improve. There is no company that can clean up your credit, or fix it legally.

Check out the links in my profile. There are two very good and FREE (read: NOT spam) informational sites in there to help you get started.

Good luck.

**** EDIT ****

This is what happens when you let a bunch of people, who have no clue what they are talking about, come in and comment on a subject.

All these people telling you that only time will fix your credit couldn’t be more wrong. If they read the links I provided they would see the multiple methods for repairing and rebuilding your credit.