: Look for accounts or hard inquiries you did not authorize. 2. Disputing Inaccurate Information

Credit repair is the process of improving your credit standing by addressing inaccuracies and developing healthier financial habits. You have a legal right to an accurate credit report under the Fair Credit Reporting Act (FCRA), which allows you to dispute errors yourself for free.

: Check for misspelled names, incorrect addresses, or wrong Social Security numbers.