Building: develop a foundation
Building focuses on habits and history: payments, utilization, applications and products suited to the situation. There is no universal product or guaranteed score increase.
Repair: review potential errors
Repair focuses on information that may be inaccurate, incomplete, outdated or unverifiable. Disputes should explain the actual problem and include available evidence. An authentic account should not be falsely denied.
You can take action yourself
You can obtain reports and dispute errors directly. Bureaus do not charge to investigate a dispute. Private assistance is optional and provides no special power to remove accurate, current negative information.
If you decide to hire assistance
Ask for scope, cost, rights disclosures and cancellation terms. Credit service billing rules matter. A promise of a score or deleting everything should prompt you to stop and review the offer.
Reference information: Check the source to verify current requirements.