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Credit repair is the process of improving a person's creditworthiness by identifying and disputing errors on their credit report, negotiating with creditors to remove negative information, and implementing strategies to build positive credit history. This may involve working with a credit repair company or doing it independently. The ultimate goal of credit repair is to increase the individual's credit score, which can lead to better interest rates on loans, increased access to credit, and overall financial stability. By addressing inaccuracies and derogatory marks on their credit report, individuals can take control of their financial future and work towards achieving their goals. It is important to note that credit repair is not a quick fix and can take time and effort to see significant improvements.