After you have paid back every one of your credit cards there are essential steps you must take in order to begin repairing your credit score. Most debt settlement firms or credit counseling companies do not handle this on your behalf. The problem of showing that your debt has been taken care of is on you. Once this is done, you can retain a organization to do this on your behalf, but a lot of debtors can accomplish this themselves due to the fact that it is something that is pretty simple to do. Basically, you just have to reach the credit reporting bureaus and let them know of which debts have been paid down. At this stage, they are forced to remove the negative from your credit rating. They do require you to come upwith proof of your paid bill so ensure you can get something in writing when you have paid down your bill in full.