Credit repair does not begin and end with a credit dispute to the credit bureau. At Credit Repair Houston, Texas, many times the first step is to contact the creditor, validate the debt, if proven ( to the standard required by the FDCPA, FCRA, FACTA ) negotiate a reasonable, timely, best, outcome. It's not rocket science but it can be timely, expensive going about it the wrong way.
Withe over 100 million households owe more than $100 thousand in debt credit repair is as much about proper budgeting and bill paying as it is reviewing credit reporting and negotiating with creditors.
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