There are a few steps that a person can take to repair their credit quickly.  1.)  Pay down credit cards so that there is a large gap between the amount of credit being used and the actual credit limits.  2.)  Avoid excessive use of credit cards.  Limit spending to at the most 30% of the cards limit.  3.)  Make sure that the limit showing on cards is correct.  4.) Use oldest credit cards first to keep them active at the credit bureaus.  5.)  Attempt to get a late charge erased.  These are just a few steps that will put a person on the right road to fast credit repair.