If you will be honest, you will admit that you probably have never heard of the term re-aging. When most people have problems paying on their credit cards, here are some of the common things they do. 1. They try to avoid their creditors. 2. When they get 30-90 days delinquent, they give up. 3. They don’t try to make any type of payment arrangements. Not all creditors have re-aging policies. Re-aging allows people to make payments arrangements with a creditor and have them update their credit reports to show that their accounts are paid as agreed after they have completed their payment program. If you want to determine if this might work for you, go over the examples about re-aging in My Credit is Bad! I am Ready to Fix it Now! (Revolutionary Credit Repair).