Fixing a bad credit report is not a pleasant experience. There are basically two ways of going about the credit repair process.

First, you can do it yourself. Second, you can hire a credit attorney. For all you “do-it-yourselfers” it is mighty tempting to try it on your own. After all, it is much cheaper, right?

Unfortunately you may discover that repairing bad credit is one of those projects that only appears easy. There is so much to the process including legal research and writing, which is challenging even for credit lawyers at times.

If you are not the type of person who enjoys legal research in your free time, or don’t have patience for translating wordy statutes and confusing case laws from around the country, then this might not be for you. But if you are determined enough to plow through the stacks of law books, then you should expect to spend at least a a few Sunday afternoons researching applicable credit laws at your local library.

Once you have waded through the stacks of law books and thoroughly irritated your local librarian, you will need to draft a good dispute letter. Even if you have some decent writing chops, this type of letter takes a unique method to be effective.

For example, the credit bureaus are constantly looking for those people trying do it yourself credit repair. They can easily spot the dispute letters written by amateurs. This can be a problem since credit bureaus are notorious for ignoring badly written dispute letters.

Even if you are a good writer, you probably are not going to enjoy standing in line at the post office. To ensure your dispute receives a proper investigation, you will need to mail the letter via United States Certified Mail.

Plus, mailing out a letter via certified receipt is an all consuming process. Wouldn’t you prefer to spend that time planning a vacation or relaxing during your lunch break at work?

Disputing your credit without the help of an attorney takes a great deal of organization. Assuming you are trying to remove more than a single bad credit item, you will have to stay on top of the progress of your case. To make sure the bureaus or creditors did not ignore your dispute, you will need to create a spreadsheet to track the results of each dispute and negotiation.

As you can see credit repair is not a fun experience. There are so many better and more efficient uses of your time. Plus, it is difficult to learn and apply complex legal statutes and case law to your unique credit experience.