The first step towards repairing your credit record is to get hold of a bad credit catalogue. These catalogues are designed to assist those with bad credit in rebuilding their credit reputation. Bad credit catalogues offer information about what is on the credit report, how much credit is available and what the lenders require to open lines of credit. You should therefore compare a number of catalogues before settling on one that best suits your needs.
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BEWARE: Bad credit catalogues for bad credit ratings come at a cost. The price depends on the size and the content of the catalogue, but generally they are quite affordable. Some companies allow you to pick and choose the pages that interest you. If the information provided is not enough to help you improve your credit score, then it may be a waste of money.
There are also catalogues for people with bad credit scores who do not qualify for a government loan or mortgage. These catalogues enable consumers to repair their credit score by improving their debt to income ratio. This allows consumers to receive lower interest rates and this may even lead them to reclaiming their house from foreclosure. This means that these catalogues for bad credit score do work, but they have to be used very wisely.