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In our buy-now world, credit has become a condition that controls our lives, and there are only 5 Steps to take that can repair it. Bad credit repair is not hard to understand. The point is it has to be tackled with a positive mindset and a proactive plan. Although you can restore your credit, you’ll need to realize that doing so requires effort and patience. There are five steps toward bad credit repair that will get your started in the right direction.1) Request that your credit report be sent to you.You need a starting point, which will need to be seeing your credit history. To do that you will need to first obtain your credit report. Did you know that you are legally bound to receive a free credit report from each credit report agency? That’s right, no cost to you at all and you can, and should get one every year. Rather you want to or not, it is essential that you know all the facts. Many people would rather have the wool pulled over their eyes and accept that nothing is wrong. However, if you are serious about purchasing a house or getting your finances straightened out, then you have no other option than to see the report first-hand.Step Two: Pay All Debt Up To Present StateAfter you see your credit report, start paying on past due or neglected debts. Accounts you simply ignore have the worst impact on your credit score. Every passing month that you fail to pay your score is affected more adversely. There is no quick fix solution for bad credit but this guide will give you the ideas and motivation to get your credit score back on track.3) Close all out-dated accounts that you do not use.Bring accounts into a current state and then close them out as soon as possible. Pay off all past debt, even if it takes a very long time to do so. This will lead to increase in your credit score and repairing bad credit. Close the accounts (cut up the inactive credit cards) and take the next steps for your financial future.4. Try to acquire some small line of creditIt may feel like you are moving backwards by opening another credit account, but in reality it is a great way to show that you are in good standing and on your path to successfully turning your credit line around to where it should be. Make sure that the credit line is only a small amount and that you make small purchases in which you can pay off. Lenders will work with you more easily once you prove yourself to them.5) Don’t expect a quick fix, as it will take some time to get to where you need to be.There is a light at the end of the tunnel, just realize that the tunnel is long - seven years in fact. At that point, these horrific records will have vanished. Be positive and realize that seven years really goes along quite quickly. Raising your credit score means having patience and learning to keep up-to-date on bills.