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So not really that they may be and not they aren't in reality the "services" they charge for isn't something someone can perform for themselves. A coworker filled me with a better idea of what they do, that's write a dispute letter towards the bureaus (or agencies?). After (30?) days, if no response is given, an item being disputed falls off. After all is that all it can be with it? I'm just needing an improved understanding of credit repair and disputing and whatnot. I understand it's easier said than done but what exactly are some good sample letters to create if it's really that "simple" and would I write to ca's or cb's?