Can I repair my own credit?
Most individuals turn to a professional to handle credit restoration because of the limited success they've had. It takes a lot of time dealing directly with creditors and the credit bureaus.
However, it is your right (See Fair Credit Reporting Act) to dispute information on your credit reports. If you have the time, background and experience necessary to produce "effective and meaningful" results, by all means attempt to settle your credit issues yourself. For the majority who do not have the professional experience to single-handedly tackle their personal credit issues, we encourage you to seek the professional assistance from those specializing in credit restoration.