Should you repair your credit yourself or hire professionals? Here is an honest comparison to help you decide.
The truth is you have the legal right to dispute errors on your credit report yourself completely free of charge. The Fair Credit Reporting Act gives every consumer this right. So why do credit repair companies exist?
The answer is expertise time and results. While you can do it yourself professional services bring knowledge of credit law proven dispute strategies and the time to handle everything on your behalf. Let us break down the pros and cons of each approach.
| Factor | DIY | Professional |
|---|---|---|
| Cost | Free (just your time) | $79-$150/month |
| Time Investment | 10-20 hours/month | Minimal |
| Learning Curve | Significant | None |
| Success Rate | Varies widely | Generally higher |
| Expertise Level | Self taught | Professional |
| Legal Knowledge | Limited | Extensive |
| Speed of Results | Often slower | Often faster |
Here are the basic steps you will need to follow:
Request free reports from AnnualCreditReport.com
Go through each report line by line looking for errors
Collect documentation supporting your disputes
Create specific detailed letters for each error
Mail disputes with return receipt requested
Monitor responses and escalate if needed
Our team of credit experts is ready to handle your credit repair with proven strategies and personal attention. Get started with a free consultation.