Credit repair is the process of reviewing your credit reports to identify and challenge inaccurate, outdated, or unverifiable negative items—such as late payments, collections, charge-offs, and bankruptcies. By leveraging consumer protection laws like the Fair Credit Reporting Act (FCRA), credit repair specialists work directly with credit bureaus and creditors to remove errors, helping you rebuild your credit score, boost your purchasing power, and qualify for better rates on mortgages, auto loans, and lines of credit.