Bad Credit Agency

Is it better to go through a credit repair company, or to dispute yourself?

Public Comments

1. It depends on if you want to pay or not. If you do not mind paying the money then get a company. If you mind then you can dispute yourself. they both have the same result.
2. Dispute it yourself. All the credit repair company does is gives you the form letter and takes your money. It is a free service and reporting agencies must investigate all claims.
3. Contact your creditor directly first. Several years ago, I directly called up the credit card company I owed money to. They were so thrilled that I was making an effort to make good on my debt instead of blowing it off/declaring bankruptcy that they offered to settle with me for half of the amount owed. Credit repair companies generally can't make deals like that. I cleaned up my rating and have had no issues since (I learned my lesson!).
4. Better to dispute it yourself. Credit repair companies are out to make a profit too ya know? And you are the person who pays for their profit. So get on the phone and start disputing, and saving money.