I'e just checked by experian credit report. The result was not so good & now I have a better idea to why I can't get credit.

Can anybody suggest the best ways to help me repair my credit rating?

There are a number of companies that provide loans for people with a Bad Credit Score, charging exorbitant rates of interest and extra premium fee for the risk factor associated with it. For enjoying the various benefits offered to a positive credit record it is important to set right the deviations and maintain a good credit record.

10 ways to Repair Bad Credit

Following are the various ways in which this effort can be accomplished.

Settle all your current loans before applying for fresh loans.

Continue paying all your bills in time, without any delay. This will slowly increase your credit rating.

Closely monitor your credit report, unintentional mistakes might prove to be a very costly affair.

To improve your bad credit history you can opt for a Home Mortgage Loan. The interest rates are comparatively lower when compared to the other bad credit loans. This helps in settling the current loan and repaying the mortgage loan at flexible installments.

Where home mortgage refinance loans are difficult to avail, you can always take the help of subprime lenders who offer loans for bad credit.

Avoid taking loans, when you already have list of them to repay. Try to go without the _object_ for which the loan is taken.

Where it becomes difficult to repay a loan installment, inform the lender before he could call you in this regard. This helps to build the trust.

Plan your finances in advance so as to avoid last minute panicking.
Save some amount every month by managing cash flows and personal finances. Even a small amount saved, helps building sufficient cash for future commitments.

Try and inculcate the thought of financial security which helps in getting rid of unplanned expenditures and their by incidental loans.