There was a time when you had to hire a repair agency to help out with negative accounts on your credit report before you could make any positive change.
That has since become an old story ever since Congress passed the Fair Credit Reporting Act into law.
The FCRA is the set of laws that ensure your rights are protected in the process when creditors furnish bureaus with information and when bureaus compile information and calculate your score.
The FCRA gives you the freedom to dispute information which is not in consonance with your financial transactions, and thus take necessary actions to have them deleted.
But the truth of the matter is that not everybody understands these processes very well simply because it involves different strategies and steps depending on the type of account you are handling.
The need to use the FCRA standard in challenging accounts is another factor why some people have problems in settling problems on their file.
However the case may be, there is always a way out.
Considering that you have two options of repairing your rating, you should bear in mind that choosing a do-it-yourself technique will require you to obtain a credit restoration kit which will serve as your manual to guide you through the entire process.
Also keep it in mind that choosing a DIY method will save you some money which you may otherwise pay a repair agency for their services.
In the long run, the ultimate decision of what method you use will be determined by you bearing into consideration two factors: TIME and MONEY.
You either have the time for a DIY technique or you are able to afford the fee required by a repair agency.