Step 4: Seek professional help. If you think that your efforts to attain bad credit repair proved to be in vain, then it is about time to seek professional help. There are various credit counseling agencies today which offers credit repair help programs. Through such programs, you will receive guidance on how you should manage your finances. Not only that. Credit repair help sessions can also give you personalized solutions to your credit problems. It can be easier to rebuild your credit if you follow the tips and suggestions provided to you by a certified counselor.