The bottom line.
It sounds, on the surface, like the Do-it-Yourself credit repair model is always the way to go, but you’d be wrong drawing that conclusion. Dealing with the credit reporting agencies isn’t easy. Your well-written dispute letter to the credit bureaus is homogenized into a 3-digit code, which is then sent over the Internet using a system called E-Oscar to the company that furnished the offending credit entry, usually a lender or a collection agency. At that point it’s up to the furnisher to A) understand what you’re disputing and, B) take time to investigate your claim.