Credit repair services typically begin by obtaining a copy of the client's credit report from one or more of the major credit bureaus (Equifax, Experian, and TransUnion). The service will then review the report for errors or inaccuracies, such as incorrect personal information, duplicate accounts, or unauthorized inquiries. Once these issues are identified, the service will work to dispute them with the appropriate credit bureau or creditor.

In addition to disputing errors on the credit report, credit repair services may also work with the client to develop a plan to address outstanding debts or missed payments. This could involve negotiating with creditors or debt collectors to reduce the amount owed or set up a payment plan, or providing the client with resources and advice on how to manage their finances more effectively.

It's important to note that while credit repair services can be helpful for individuals who are struggling with credit issues, they are not a magic solution. Improving one's credit score takes time and effort, and there are no guarantees of success. Consumers should also be wary of credit repair scams, which promise quick fixes or charge exorbitant fees for services that may not deliver results.

Overall, a reputable credit repair service can be a valuable resource for individuals who are looking to improve their credit scores and take control of their financial situation.