Credit services refer to a range of financial services that help individuals and businesses manage their credit. These services include credit counseling, credit repair, and credit monitoring. They aim to improve credit scores, provide guidance on responsible borrowing, and help clients understand their credit reports. Many credit services also assist in disputing inaccuracies on credit reports and offer educational resources about credit management. By utilizing these services, consumers can make informed decisions about loans, credit cards, and other financial products, ultimately leading to better financial health and stability.