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Credit repair is the act of removing negative items from your diy credit repair report to improve your credit score. You can do this using the Fair Credit Reporting Act, which gives consumers the right to dispute anything on their credit reports they believe to be incorrect or erroneous.

The process involves disputing your negative items to the credit bureaus. The credit bureaus then have 30 days to verify your listings with the original creditors or it must be removed. There are other aspects of credit repair involving reducing debt and inquiries, but removing negative items is the main part.