Easiest way to repair credit is:
1. Pay off anyone you owe that has been reporting on your credit for 5 or less years. Whether it is a payment plan or whatever.
2. Pay your bills on time.
3. Dispute every negative instance on your credit report 3 times a year.
4. Don't close any accounts.
5. Give it time.
6. Eventually obtain a credit card and use it to replace the money you DO HAVE not the money you don't!