Yes. You have the legal right to work out your credit disputes with the credit agencies and credit grantors yourself. Given experience and study, you could do much of what our staff does. It is similar to your right as a citizen to represent yourself in court.

Many people, however, choose to ask Improve My Credit USA to work on their behalf for two reasons. #1. The dispute process is time consuming. #2. The effort to garner the wealth of knowledge and experience that IMC USA has at its disposal is a daunting task that most do not wish to afford the time to do.

In our experience, a typical consumer simply does not have the time to research and experiment with credit disputing methods in order to find the best course of action for their individual credit situation. In contrast, Improve My Credit USA has the knowledge already at hand to perform the service on your behalf. Our experience means you will see the highest possible return on your time and money as our efforts on your behalf will only utilize credit improvement strategies which have proven to be effective.

Also consider the amount of time and follow-up required to coordinate disputes with all three credit reporting agencies and the creditors appearing on your credit report. When you begin the credit disputing process, you are initiating a dialogue with these entities. This dialogue requires you to properly respond to credit bureau and creditor communications in order to keep the credit repair process moving. To manage this process for our clients, Improve My Credit USA has systemized the credit repair process in order to make it easy, fast, and effective!

If you are the do-it-yourself type, we recommend the usage of our IMC USA Assist package that has 15+ professionally developed dispute responses and instructions that will save you hours of research and get you past the basics of the process.