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.

Credit score factors are the elements that influence your credit score calculation. These factors include payment history, credit utilization, length of credit history, types of credit, and recent credit inquiries. Understanding how these factors impact your score can help you focus on areas that need improvement and adopt credit-building habits.

Credit disputes refer to the process of challenging inaccurate or misleading information on an individual's credit report. By filing a dispute with the credit bureaus, individuals can request an investigation into the disputed items and work towards their removal or correction, contributing to credit repair.

Credit restoration is the process of repairing and rebuilding your credit history. It involves addressing negative information on your credit report, such as late payments or collections, and working towards improving your creditworthiness. Credit restoration often involves developing a solid payment plan, paying off outstanding debts, and establishing positive credit habits.