For those consumers who have many negative credit issues and do not wish to spend the time or energy disputing their credit reports, credit repair companies are a great and often affordable solution.
While the consumer does need to give some input, such as which accounts are incorrect, the bulk of the letter writing and tracking work becomes the responsibility of the selected credit repair company.
Learning how to properly dispute credit report information without angering the credit bureaus is not an easy task.
More and more consumers report that their letters are ignored or even marked as "frivolous," effectively making their task of trying to correct a credit report even more difficult.
When a reputable credit repair company steps in, they have the experience and staff necessary to be more successful in less time than the average consumer.
Some companies are even managed by consumer lawyers, who offer their expertise at a far lower fee than an individual lawyer or law firm.
Avoiding common mistakes, such as giving too much necessary information, is the main reason a credit repair company offers its business to the general public.
Once certain errors are made, it is virtually impossible to remove them.
So unless a consumer is ready and willing to personally fight the credit reporting agencies, trying a reputable credit repair company is usually a very good idea.
The costs of mailing just a few certified letters each month in itself makes hiring a company worth the time and effort.
Some also offer credit counseling and ways to further legally improve one's credit score.