Raising a dispute and informing it to the consumer credit reporting agency and information provider is not the complete solution to your problem. Of course the bad reports you have disputed are to be repaired or removed by the agency if the information provider does not respond to your dispute within 30 days time. But even after the lapse of time the agency may not automatically remove the entry and opt for further verifications at their level. You therefore require real bad credit report help.

Changes appearing on a report take time.  There is no such emergency credit report repair here. You may report discrepancies item wise or at one go. While follow up of one-go disputes may be difficult as the items may vary extensively, the item wise dispute raising may involve time and money and a huge number of correspondences. The bottom line is that assuring accuracy of your own credit report is your responsibility.

Even doing nothing could be highly productive to fix credit reports that are bad at present. Once the period of negative impact of an item ends, the simple step of waiting works wonders with your credit scores.

However, there is a disadvantage in the method that you may have to wait a good deal of time. Time takes its own course even with professional credit service.  Sometimes errors are made due to misinterpretation of rules. That is why most of the negative items are dropped from a credit report after passage of seven years time excepting bankruptcy where the time period is ten years.