You probably don't have to look any further than your own attitude and how it may affect your credit score. As the old saying goes "you are what you eat", if you don't like the way you feel about something, your appetite might not be so great when you do eventually try it. If you don't think of credit repair as being a matter of eating, it's even more difficult to fix the problem - but if you do, then you should be able to get out of the mess you are in.
Your attitude is important because it will determine the level of effort that you put into fixing your credit. If you are feeling frustrated or overwhelmed with the situation you are in and are unable to see any light at the end of the tunnel, it will only push you further away from a fix. On the other hand, if you are feeling good about yourself and can look at a potential solution to your problem, it can be a huge boost. So what is it that it is that your attitude says to you?
Your attitude can say many things and you need to take this into consideration when you are trying to fix your credit. If your mind is filled with negative thoughts and feelings about your credit problems, you aren't going to make any progress at all. Instead of thinking "oh well, I am just too stressed to do anything" you need to think "why do I feel this way about my credit problems".
Negative thinking is the worst thing that you can do because it makes you focus all your attention on your problems and not the positive things that you can do about them. Instead of thinking about your problems, you will instead start focusing on how much of a problem you have. So instead of thinking about how bad your credit is, you should instead consider the things that you can do to change this and improve the way that your credit looks.
So instead of thinking about what your credit report says, you should spend some time looking at what you actually know and find ways to improve your credit. For example, you could find a good source of information on improving your credit and learn the skills that you need to make these things happen for yourself.
So what does what your attitude mean to you? Well, if you think "I don't have enough money and I cannot afford to make my payments" then the first thing that you need to do is start looking for ways to get extra money.
Another example might be "my income is too low and I have no means to make my payments" and then you need to start looking at ways that will allow you to get extra money to pay off your debts. Or maybe "I have too much debt and it's taking too long to clear it up," and you need to see if you can negotiate with your creditors for a lower interest rate.
But whatever your situation is, your attitude should always be one that shows that you are positive that you are determined to repair your credit and that you are willing to go to any lengths to correct the situation. If you are determined and focused on your situation and not one that make you feel like you are at the end of the world, your situation will improve. If you are in a bad place in your life and don't have any resources or time to waste about a problem, start searching for the resources that you need to make a difference.