Technically, a consumer can do everything that a attorney or credit repair company can do in regards to disputing credit report issues. The advantage that the professional services have is that they are very familiar with effective strategies to challenge and remove disputed items that may not be known to most consumers. They also are aware of what documentation and procedures that the creditors must have in order to validate their reporting to the credit bureaus. As with many professional services, it is not so much what they do but rather what they know to do.

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