How can you repair credit card debt?
While there are many companies that will make claims to "repair"
your credit, all they really do is take your money and ask your
creditors to "write off" portions of the debt, when they do that,
it's reported to the credit bureau, and although the debt is
technically paid, you still have a footnote that the creditor wrote
off some of the debt. The best way to repair your debt is to just
pay your bills. Your credit will "heal" over time as people see
that you are now acting responsibly.