Credit repair may seem impossible if you are buried in debt. But it is possible. Credit repair is not magic. It’s not an overnight process. It takes time. It requires efforts on your part. Credit repair is legal and permitted by law. Credit repair does not mean that your credit will be restored to perfect status. In almost all cases, you can get some improvement in your credit score. Patience is key to credit repair. If you are successful at credit repair, you will be able to get a credit card, home loan, auto loan, refinance, etc., at better interest rates.