First, poor credit rating repair is a problem that must be solved, and in order to do the solving, you need to have some help. Look for a credit rating counseling service. There are many available in your local area, and you may require to contact your county office about such helps. These counseling services will help you work out a plan to repay all your debts, develop a good budget that will allow you to live within your means, start out a savings plan that will help you do better on the fiscal front, among other things. Some counseling services will ask for a low fee, and others will be free. You might also want to talk to your employer, your local housing authority, or your credit union for more details about such programs.
Second, start keeping a organization of records. This will provide you to look at your finances better and to cross-check your purchases. You will be looking at credit rating reports in order to look at every purchase that you made, so you will need to keep all your accounts in order to find out if someone else is actually ruining your credit rating score. If you find out that such a thing is happening, you can contest your credit rating score by contacting your credit rating rating agency.