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Credit repair is the process of improving and fixing your credit history and credit score. It involves addressing errors, inaccuracies, and negative items on your credit reports to help enhance your creditworthiness.

The duration of credit repair can vary depending on the complexity of your credit situation. It can take a few months to a year or more to see significant improvements. It's important to remember that credit repair is a gradual process.

Yes, you can repair your credit on your own. By reviewing your credit reports, disputing errors, making timely payments, and managing your debts responsibly, you can take steps to improve your credit. However, some individuals may prefer to seek assistance from reputable credit repair services.

Not all credit repair companies are legitimate, so it's crucial to research and choose a reputable service if you decide to seek professional assistance. Look for companies that have a solid track record, transparent pricing, clear services, and positive client reviews.

Credit repair companies work on your behalf to review your credit reports, identify errors or inaccuracies, and dispute them with the credit bureaus. They may also provide guidance on improving your credit, offer personalized action plans, and communicate with creditors and collection agencies.