Credit repair is the process of trying to restore your credit history if there are histories of defaults that are not correct, this obviously has the advantage of improving your financial profile for lenders should you wish to apply for a mortgage or loan.

The size of the dispute may be quite small but still provide an obstacle to obtain the loan that you require, hence the use of credit repair.

The questionable listing on the history may be due to any number of reasons. Things such as, overdue payments, debts, decisions or the like.

The credit review process is available to anyone who disputes their current credit history and is an entirely legal procedure, many people simply do not know about it.

There are a number of companies that specialise in this service and charge a fee for the service.