The short answer - you will get better results and you will save thousands of dollars doing it yourself...
  1. There will be little or no cost for you to repair your credit yourself. That is, you will save thousands of dollars.
  2. Credit Reporting Agencies will treat disputes more seriously if they come from the consumer. If the Credit Reporting Agencies the disputes believe they came from a credit repair organization, they are apt to be more critical in their response to your request.
  3. You will need to invest the same amount of time preparing the documentation for the Credit Repair Organization as you will for yourself. So if you think that it will be easier to have a credit repair organization do it, you may be in for a surprise. Why not just do it yourself.
  4. If you repair it yourself, you will be able to respond immediately to anything occurrences that will happen in your credit repair journey. If you know a response needs to be sent today, you know it will be sent today and not placed on someone's desk for review next week.
  5. Repairing your credit reports and score involves more that just having derogatory information removed from your credit reports. You must re-build your credit and only you can do that. By repairing your credit yourself, you will develop of feel for what type of credit to apply for and most importantly when.
  6. Like the Chinese proverb that states "Give a man a fish, feed him for a day, teach a man to fish, feed him for a lifetime", credit repair is definitely a more do-it -yourself than you would think. Your credit is so important to you livelihood, that it can make or break whether you get a job or a mortgage. You need to know as much as possible about it, and if you repair your own credit, you will be extremely knowledgeable about your credit situation all the time.
  7. Nobody can really do it better than you. The Fair Credit Reporting Act and The Fair Debt Collection Practices Act were written for the consumer, and as such, are consumer friendly. They are especially friendly to the do-it-yourselfer. Doing all of the legwork in you credit repair, will at the very minimum create a monstrous paper trail in the event of a lawsuit, if you decide to file one. It will be so thorough, though, that you will be able to defend your position very comfortably. While RxCreditrepair.com emphatically recommends an attorney in the event of any lawsuit, RxCreditRepair.com does not generally advocate filing suit against any company to get them to fines for violating the FCRA or the FDCPA or for removing derogatory trade lines. You will want a low impact approach to just get the trade lines removed.
  8. You will have more information at your access to dispute inaccurate, derogatory information that the credit repair organizations.
  9. You will take the time to not injure your credit reports like a credit repair organization may. Why take the chance of having a credit repair organization cement a derogatory trade line on your credit report or having a Fraud Alert placed on your credit reports. Dispute an inquiry with "Not Mine", potentially get a Fraud Alert placed on your credit reports, essentially locking them.