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Credit repair is a term used by operators who charge a small fortune for a service they cannot perform, it is a time-consuming operation requiring great patience and a process, and it will take time and effort.

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Contrary to popular belief, illegal access to personal information often happens through traditional means such as paper financial statements, cheques or credit cards, and the perpetrator is often someone previously known to the victim, such as a "friend", family member, or acquaintance. It is rumoured that some local authorities in England have their rubbish sorted for recycling by convicts, which represents an additional risk. This friend type of identity theft suggests that privacy guard strategies will not solve the problem and that it is the promiscuous nature of transactions at a distance -- without actual physical human contact -- that enables the fraud.
However, if we ban all business from being done online or by phone, then the economy will be seriously harmed, so the solution may lie in serious unbreakable encryption will randomly generated codes and a dual key system. That or a secure line plus biometric verification plus a secured unhackable databased of such biometric data in a central site.

Increase limits on credit cards. The FICO formula weighs the ratio of balances to available credit, so if credit limits are increased while balances stay the same, this ratio drops and your score increases. If possible, try to increase limits without triggering credit check, as a credit check will drop a score by roughly 5 points.