Credit repair is the process of improving a poor credit score by addressing or removing negative items that could be listed on your reports inaccurately. Although the Fair Credit Reporting Act outlined the right for Americans to have accurate credit reports, credit reporting agencies require you to navigate complicated online systems and send a series of formal dispute letters in order to fix your credit.

Stop letting mistakes on your credit report prevent you from getting the things you want. A poor credit score can mean the difference between being approved or declined for a line of credit.