Most self credit repair disputes are resolved in the borrower's favor, and nobody can figure out why. Consumers dont realize that it cost money to report, dispute, re-report, validate, etc for a Creditor.
Creditor's are businesses that extend credit to borrowers for mortgages, credit cards, auto loans, etc. For example Carteret Mortgage, Discover Card, and Honda Financial.
These creditors have to pay Experian, Equifax, or Transunion, when they are reporting you. Normal subscriptions to the credit agencies might be a client that pays on time, and has no problems in the future. If you dispute an account, the credit agencies will contact the creditor, and will initiate an investigation. The creditor spends money researching your request, and now they have to re-report the findings. Whether it's the same information or not they will need to pay the agencies to re-report you.
A lot of borrowers are constantly disputing erroneous items until they are removed from their credit file. This may cost the borrower a few postage stamps, but the cost is a lot higher with the creditor. Eventually, the creditor decides not to respond to the credit agency, and a 'credit deletion' occurs. This would be a normal Credit Repair result.
Many items are generally deleted in the first round of disputes. One of the top reasons is that these accounts are marked as 'paid', and the creditors are losing money by re-reporting you. This is why a lot of Credit Repair agencies go after 'paid/closed' accounts.
Another top reason, is that judgements/bankruptcies are being reported by the local/state/federal government. The federal government normally holds records for 2yrs before storing the record. When they receive an investigation notice (from the Credit Agency), they normally disregard it or take longer than the allotted time to re-report. (30days)
Remember that the Credit Agency will perform your 'request' if the creditor doesn't respond in 30days. If you 'request' deletion, they will go ahead and delete the item. You will need to look at all items on your credit file (positive/negative), before making a decision in how you would like the Credit Agency to respond. Free Credit Repair is simple once you get the hang of it. I sometimes may send someone to a Credit Repair Agency, but that is when I'm overflowed with work.
also, that's how you get continue to get a 'free credit report' if you dispute erroneous items on your credit report