If your credit score is lower than you'd like it to be, you're most likely looking for ways to improve it. Because your creditworthiness significantly impacts your borrowing power, it's a good idea to upgrade. Whether billing charges overshadow your Credit Report or you have a history of late payments, there are ways to redress the problem. The two main methods of increasing your score are improving your loan and adding one or more trade routes. Here's what you need to know about the differences between these two popular approaches. What is Credit Repair? The term "credit repair" can have different explanations depending on who you ask. However, credit repair is generally viewed as the process of repairing bad credit resulting from errors on your credit report or identity theft. This is achieved by debating the misinformation in your credit file with the credit bureau, which investigates the claim and takes necessary measures. For example, suppose you have a ...