@Anonymouswrote:
Thank you for a prompt reply. I kind of figured it out that self repair is better. Since I have a number of Late payments (total 123 Late Payments) , what is maximum number of valid disputes that I can send concurrently to one credit repair agency ? I have heard that if I send many disputes to the CRA at same time, the CRA might flag my social and will not process any disputed letter. Is it right ?
You are right and the term of art used for these is "frivolous" disputes. Indeed, the dispute process is not intended for people who have negative but basically accurate information on their reports. It was created for people who somehow have ended up with false information on their report -- and in truth that's not that common.
The first step is to pull your three reports, look at all the negatives and then basically make a guess as to whether you think most of it is likely to be pretty accurate -- e.g. "yeah, I really was late all or nearly all of those times." If it is basically right, then you want to explore other strategies for getting the negatives removed, but not disputes. These other strategies (Goodwill letters, PFD agreements, etc.) are not certain to work, and even if they do they would take a long time.
You can and should couple these strategies with creating some tradelines with which you can begin to create a positive history of on time payments. That way, as your negatives eventually begin to fall off (due to the 7-year rule) you will have some clean accounts with perfect history.
The folks on the rebuilding forum can help you with all this.
