Many people become awfully worried and disheartened when they have bad credit report and do not have much knowledge about credit repair. In fact there is nothing to worry. Simply a poor credit report will not be a total bar in your way of getting a credit.  

If you have a look at the various credit repair information you will find that the way of assessment of your credit report is not identical with all the companies. In fact the assessment varies with different agencies. The consumer credit report agencies maintain bad credit report for long seven years whereas there may be creditor companies who may not be interested to look beyond the last three years. Thus they will ordinarily ignore your bad credit report of seven years back. 

Therefore, you may do well to contact the creditors informally to learn about their credit policy and the terms and conditions basing on which they determine the eligibility of the debtor. You will also understand whether it is necessary for you to obtain the assistance of any credit repair services to get back your credibility. 

Requirement of the moment for you in such cases would be a good repayment plan and keeping track of the bills to be repaid. You can also obtain the assistance of professional credit service to get your bad credit position rectified.