Once you decide on the best method for you, you must comb through your credit reports to determine what is being reported as incorrect. Most credit reports contain some errors. Many of them are loaded with errors and some have never been researched to see if there are issues that need attention. Even if you are using a credit repair company you will still be responsible for qualifying what is being reported. Keep in mind that it is the responsibility of the bureau to verify everything you dispute. If you are unsure, most reccomendations are for dispute as it puts the pressure to make sure on the shoulders of the credit agency.