I have sort of, not good credit due to some previous circumstances. What can I do to start to repair my credit? As in build it back up? I'd rather not get a credit card with an astronomical interest rate, but will more or less do what I have to right now. I have a cell account in good standing at the moment as well as a couple of student loans also in good standing. Are there any good companies out there for people with bad credit to help them re-build it?