There is nothing as distressing as having a debt. The good side is that there are a number of programs that can help you in getting out of it. The programs include: Debt payments Also known as “DIY” credit repair, this program requires you to budget and make payments in order to reduce your debt and improve your credit over time. The good side with the program is that it doesn’t involve any extra fees or additional debt and it only affects your credit score positively.