Do a search for credit report repair or navigate through the forums that are popular with consumer advocates and credit repair specialists and you will likely find more than a few contributors who claim that fixing your credit reports is a simple process. All that is required, according to them, is that you get a copy of your credit reports, compose a dispute letter to the credit bureaus pleading your case, and 30 days later the offending items on your reports are gone. Your credit score is instantly better and you can make all of the purchases your heart desires.

Even more, they make it sound like credit report repair is so easy that any person or company who offers to help you repair your own credit must by trying to bilk you out of your hard earned money. After all, why would you pay someone to fix your credit when it is so easy to do it yourself? You might as well start paying people to tie your shoes in the morning and brush your teeth as well.

The truth is that credit report repair is not as easy as many people claim. If it were, would it really be necessary for Amazon to list hundreds of books about credit report repair? If credit repair were so easy, why would the federal government create legislation to preserve the integrity of the companies offering credit report repair services instead of just banning the practice altogether?