How does one repair their debt quickly?

It is difficult to repair debt and it cannot be done quickly. One must first address the problem by repaying or settling with all creditors and establishing regular repayments for anything outstanding. A consolidation or IVR settlement may be a faster process but both have penalties to consider. After that process, one can rebuild credit status by using it wisely, paying back on time and not allowing credit to be more than can be reasonably afforded.