The Credit Repair process is one in which a credit repair organization attempts to correct or misleading or erroneous credit report information. Credit Repair can also include managing debt through direct negotiations with creditors. Erasing misleading or erroneous credit report entries and ensuring that positive legitimate trade line entries are in place are also part of the credit repair process. In doing so, your credit score should increase. Smith & Garg’s Credit Repair attorneys take every necessary and legal step to repair and to restore your credit and advise you on ways to continue credit score growth..