Credit repair often involves addressing credit disputes. This process involves challenging inaccurate or questionable information on credit reports, such as incorrect payment statuses or unauthorized accounts. Credit repair companies can assist individuals in initiating disputes and working with credit bureaus to resolve these issues.

Credit counseling agencies are organizations that provide assistance and guidance to individuals facing credit and debt-related challenges. These agencies offer services such as budgeting advice, debt management plans, credit education, and financial counseling to help individuals develop strategies for improving their credit and overall financial well-being.