Credit repair is the process of hiring a company to investigate and reestablish a positive credit profile through the disputing of inaccurate, negative information on your credit reports.
A credit repair company works on your behalf to investigate this information by communicating with the credit bureaus (Experian, Equifax and TransUnion) and/or financial companies, like your bank or a debt collector, to dispute the errors.
There can be a lot of back and forth, but the end goal is to have inaccurate information deleted from your credit file, so your credit rating improves. There is no quick fix to credit repair. The process can take 3-6 months before positive results are gained.
Credit repair companies don’t help you manage your money, which is a different service offered by credit counseling companies like the National Federation for Credit Counseling (NFCC) and the Financial Counseling Association of America (FCAA).
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in·teg·ri·ty: the quality of being honest and having strong moral principles; moral uprightness.