Is It True Or Is It A Myth?

Disputing a credit report is easy – anyone can do it themselves.

Disputing a credit report is easy. However, getting results from the credit bureaus as a “layperson” is amazingly difficult, complex and infuriating. The Federal Trade Commission receives more complaints against credit bureaus than any other type of business. In February 2000, the 3 major credit bureaus paid a 2 million dollar fine for ignoring consumers after they requested information regarding their files. Remember, the credit bureaus are primarily interested in protecting their profits. Sparking an enormous number of lawsuits, the bureaus do everything in their power to impede any progress you might attain, when attempting to restore your own credit. Trying to restore your own credit is likened to blindly representing yourself in a court of law. Restoring your own credit is like repairing your own transmission. It is possible, but you have to be willing to invest a great deal of time, educating yourself about the law, courtroom procedures, etc. You will also assume the risk of your inexperience by realizing it will take you much longer than you expected and even more important, your own efforts will be less effective than that of a professional.

Do You Have A Question About Credit?     Call Us!

Bill Spragg at 281 804 3333,


Harry Bradley at 713 419 7151,

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