Credit bureaus, also known as credit reporting agencies, are companies that collect and maintain credit information on individuals. They gather data from various sources, such as lenders and public records, and compile credit reports that are used to generate credit scores. The major credit bureaus include Equifax, Experian, and TransUnion.

Credit repair services are companies that offer assistance in improving your credit. They typically work on your behalf to identify and dispute inaccuracies in your credit reports, negotiate with creditors, and provide guidance on credit management strategies. However, it's important to research and choose reputable credit repair services to avoid scams or unethical practices.