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Debt errors, inaccurate data on your debt, and reporting mistakes about your loans can have a dramatic, negative effect on your credit score. The same holds true for late debt payments, charge-offs on debt, and loan collection accounts. A low credit score will make it difficult for you to get a credit card, personal loan, car loan, or home mortgage. The good news is that you can fix your credit score so that you can get everything back on track in your credit life. You can do this on your own. However, there are unique credit repair benefits you can access when you enlist the help of a professional credit repair service. Credit Repair Services Handle Everything.