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| *Loan,banking and credit>>>credit repair |
Is it better to go through a credit repair company, or to dispute yourself? |
Is it better to go through a credit repair company, or to dispute yourself? 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. Source(s): been in the debt settlement/ credit repair industry for 4 years 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. 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!). 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. |
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