Michael asked in Business & FinanceCredit · 10 months ago

Is it better to pay a credit repair company or to send my own dispute letters?

I am working on fixing my credit score and there are a few items that are over 7 years old on my reports as well as some that are incorrect and that I need to dispute. I have a friend who referred me to a credit repair company but it's like 70-120 bucks a month. Should I attempt to dispute these myself or is it worth it to pay the credit repair company? Thank you in advance for the advice!

5 Answers

  • 10 months ago
    Favorite Answer

    You're much better off writing your own letters and using that $70-$120 towards your debts.  

  • 10 months ago

    Do it yourself.

  • Tavy
    Lv 7
    10 months ago

    Scams all of them. They cannot do anything to repair your history, they cannot make it disappear.

  • Anonymous
    10 months ago

    They cannot do anything you cannot. I consider paying someone big money to do something you can do yourself in a few minutes to be a scam.

    Also, they imply they can remove legit bad information. That is false unless you just get very lucky and one of them fails to reaffirm it.

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  • 10 months ago

    Credit Repair companies are largely scams.

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