Credit negotiation is a process in credit repair where individuals or credit repair professionals negotiate with creditors or collection agencies to settle outstanding debts or establish more favorable payment terms.

Credit monitoring involves regularly reviewing your credit report and alerting you to any changes or suspicious activities. It helps detect potential identity theft or errors that may negatively impact your credit.

Credit score repair focuses on taking specific actions to improve an individual's credit score, which is a numerical representation of their creditworthiness. This can involve addressing negative factors, resolving disputes, and adopting healthy credit practices to gradually raise the credit score.