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Yes, but… that’s like asking if anything works. Credit repair (like anything) works to the extent it is done correctly. It may not work if you’ve hired a company who is unskilled, lazy, unorganized, etc., or worse, a company intentionally scamming you or ripping you off. So long as the dispute letters are legally compliant and strategically targeted, yes… credit repair works. Moreover, its illegal for it to NOT work. Let me explain: Subscriber (people who send information to credit bureaus, like your bank) and the credit bureaus are required by federal law to maintain accurate information.

Eh. People are very smart. Sometimes too smart for their own good. Do-it-yourself repair is possible, and people are absolutely smart enough to do it, but… that doesn’t mean you should. You could probably figure out carpentry, laying tile, sewing, etc. But your time – and the income you can generate with your labor – is better off spent on your specialty. If you do credit repair yourself, it is a time investment you will regret. Plus, you will likely do everything correctly and the credit bureaus may just outright ignore you. Are you prepared to sue them? So, you’d be better off paying someone a small fee to do you “dirty” work. Software is designed for companies, who require efficiency with lots of clients. Although credit repair software would assist a do-it-yourselfer, it doesn’t change the fact that you’d be better off paying someone else to conduct credit repair for you.