There are only three things you need to perform credit repair (a.k.a. credit report disputing) on your own: 1) ID that proves you are yourself, 2) a up-to-date copy of your credit report and 3) an example of a dispute letter. There is no more to it beyond this! And after you have those two items, the rest of the process can be easily handled by yourself.
There is no need to hand a credit repair service hundreds of dollars to do what you can do on your own. Do you realize that fixing your credit on your own (self credit repair) is even the preferred method supported by the government? Look over FTC.com if you want to read it yourself.
And as long as you are on that site, you may as well copy the sample of credit repair letters they have available there as well. That one will work as well as any of the scores of other similar ones you can find all over the internet. All you need to do is take any sample letter you want, tailor it to the items you want to dispute, put it with a copy of you ID documentation, and send it to the correct credit bureaus.
What sort of ID am I talking about? You will need a copy of your picture identification, a copy of your social security card, and a` photocopy of a utility bill or other page that displays your correct name and address. That’s all there is to it! Just be certain all those documents are photocopied with perfect clearness (or they will send it back and request clearer ID).
As far as the credit report goes, getting one should be easy. If you have recently been denied a loan, you should be able to get a copy of the credit report your lender pulled on you. Barring that, you can still ask for one for free by calling 1-877-322-8228, or you can get one from the following address:
Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281
The Federal Trade Commission’s website also states that everyone is allowed one free copy of their credit report every year, so if you haven’t gotten one yet, ask for one. Forget paying a credit repair company to do something you can do for yourself. The only things you should have to pay for are the printing costs associated with the letters and the postage to mail them with.