Yes, it possible for anyone to repair their own credit. You can get one free credit report a year with AnnualCreditReport.com, getting a copy is the first step you should take. Then, you should check for any mistakes on your credit report. Mistakes on your credit report isn’t an uncommon thing unfortunately, which is why it’s important to always keep track of it. Second thing to do is to deal with the bad things on your report. Negative things on your report take 7 years to go away but sometimes you can make them go away faster. You can try writing a letter to the company who reported a negative item and ask them to remove it.