One of the questions we are often asked is should I do my credit dispute by myself, or get some help?  There are many things to keep in mind when deciding what is the best answer for you.  Let’s walk through some of the things to consider before making your decision. We have developed a 3-part framework for you to walk through in determining what is the best option for you and your personal circumstance.  The 3 parts are: Are you prepared to do a significant amount of legal research? Are you prepared to develop a set of strategies and a plan to effectively beat each of the three credit bureaus? Do you have the time, and the willpower to follow through and stay on top of your plan for as long as it takes to achieve your credit dispute goals? 1. Are you prepared to do a fairly substantial amount of legal research?  The process of doing a credit dispute is predicated on a number of Federal Laws passed by Congress giving you, the consumer, the right to do a credit dispute on any of the information contained within your credit report maintained by the three major credit bureaus, Equifax, TransUnion and Experian.  The primary laws include the Fair and Accurate Credit Transactions Act (FACTA), Fair Credit Reporting Act (FCRA), and the Fair Debt Collection Practices Act (FDCPA). As these laws were written by Congressional Legislators (the same people who write the IRS Laws) you can bet you’ll have to do a good bit of research to make sure you understand not only your rights, but all the hoops you’ll have to jump through and hurdles you’ll have to clear.  It is precisely these hoops and hurdles that can stop you dead in your tracks and turn a slam-dunk credit dispute into a blocked shot. 2. Once you understand what the laws say do you have a set of strategies and tactics to be able to have a high success rate with your credit dispute?  Think about it this way, if you are going to build a house, and this is your first time building a house, do you think it will go as easy as say, the contractor who has been building thousands of houses over the last 10 years.  Will you know how to get things done as quickly and efficiently as possible to make sure that the house will not only be safe and comfortable to live in, but also to pass the requirements of the local inspector on the fewest number of tries? 3. Finally, do you have proper systems in place and the time to keep up with the constant flow of paperwork...