For various reasons, issues of ranging severity are subject to arise on a consumer's credit. When this takes place, consumer face several, often times negative options - bankruptcy, among several alternatives, is the most common. Unfortunately, the changes that take place as a result of these are usually of an unpleasant nature. This may include a terribly lowered credit score or just an undesirable record on one's credit report. Individuals that have been subject to these types of problems may use forms of consumer credit repair in an attempt to mend their credit. Credit repair may consist of disputing wrongful records, keeping track of the credit report, and eventually "rebuilding" credit by becoming better in debt-paying. The hopeful outcome of this repair process is, of course, better credit, and the resulting advantages of having good credit. Good credit means improved opportunities in terms of interest, credit, rentals, and even employment,