Credit repair is the process of fixing mistakes on your credit report so your credit score can improve. Your credit report is like a record of how you’ve handled borrowed money, and sometimes it can include errors—such as accounts that aren’t yours, incorrect balances, or outdated negative items.

 

To repair your credit, you review your reports and dispute any incorrect information with the credit bureaus—Equifax, Experian, and TransUnion. They are required to investigate and correct any verified errors.