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Credit repair involves improving a person's credit score by identifying and addressing errors or negative items on their credit report. This process can be managed individually or through professional services that dispute inaccuracies with credit bureaus, negotiate with creditors, and provide strategies for better financial habits. Common issues targeted in credit repair include late payments, collections, and incorrect information. By resolving these issues, individuals can boost their credit score, which is crucial for securing loans, lower interest rates, o