Before you take action towards repairing your credit, it is smart to establish a program whether you plan on doing it yourself or seeking professional help. A good credit repair program will incorporate a combination of debt reduction, debt payment, and techniques that can boost your credit score. When used in conjunction, these methods will get you on the fast track to repairing your credit. All programs should be customized according to the individual's credit report history, and address all negative infractions that may weigh against your credit score.