Credit repair improves credit scores by disputing errors on credit reports, negotiating with creditors, and managing debt. It is crucial to keep good credit for loans, rentals, and insurance. Poor credit scores and identity theft victims benefit from credit repair services that identify inaccuracies. Create a plan and work to remove inaccurate information. Credit repair isn’t a quick fix; it may take a few months to show improvement. However, persistence and patience can lead to achieving high credit scores and better finance opportunities.