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what is the fastest way to get credit repair?

I agree that you pretty much have to restore your credit. There are Non-profit credit counselor who can negotiate lower payments for you. The amount is usually minimal as $ 20 a month or so. If your credit card through consistent and hold back a little to almost nothing balance. Also, this is much harder than it sounds, live below the center. Just because you make 50k a year or whatever, not necessarily mean you spend 50k a year. A lot of people have a hard time with this. Good Luck!

Fix Credit – Is there a “Quick Fix” for credit repair

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