how can i rebuild my credit online my credit is in real bad shape?

Answer 1

Credit Repair, my friend.

http://aaacreditguide.com/forums/beginners-credit-information

Answer 2

Reapir credit score
Your credit score is based mostly on:

1. Length of credit history
2. Payment history.
3. Ratio of credit used to available credit.
4. Number of credit inquiries you authorized.

If you cancel your card, you'll be hurting your credit ratio. (#3).

You want to deliberately keep your oldest credit card open, even if you never use it.

You want to always pay the minimums of each loan on time every month.

You want to keep your available credit high, but actually only have balances equalinig 25% or less.

You want to keep your credit inquiries to a minimum. Try for no more than 3 or 4 per year for any type of loans.

You do these things and your credit score will quickly soar into the 700s.

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http://www.bestcreditrates.net

Answer 3

In spite of all these online so called credit repair shops there is no quick and easy way to repair your credit, it takes time and dedication. I know this is not what you want to hear but it is the facts.
1.pay all your bills on time
2. cut your credit card balances down to less than 30% of limits
3. Leave accounts that you manage to pay off open
4. Get a copy of your credit report and dispute any articles that are wrong
As stated there are no "quick fixes" but it can be done with dedication and follow through in keeping things on time and paying down balances. Probably not what you want to hear, but is a beacon of truth,