Debt consolidation is a credit repair strategy that involves combining multiple debts into a single loan or repayment plan. This can help simplify payments, potentially lower interest rates, and assist in paying off debts more efficiently, ultimately contributing to credit repair efforts.

Credit bureaus are organizations that collect and maintain consumer credit information. They gather data from various sources, such as creditors and public records, and compile credit reports for individuals. The three major credit bureaus in the United States are Equifax, Experian, and TransUnion.