If experiencing bad credit, you know how difficult it can be to restore. There is no way around the fact that credit repair takes a fair amount of time and patience. One of the unfortunate factors that you will have to deal with is that of the credit bureaus, so it's extremely helpful to understand a little bit more about how they work and what they are looking for. It's important to keep in mind that they are not trying to ruin your credit, and can be an asset if you understand how they operate.
According to the Fair Credit Reporting Act, all of the credit bureaus are required by law to process any disputes of marks on your credit record that you think are inaccurate. The wording of this act gives the credit bureaus a little bit of leniency with their accuracy in record keeping, because it states that they are required to follow the law only to a "reasonable" degree. This means that while the credit bureaus will certainly look into disputes, they may not have set up their processes for optimal accuracy, because it is not economically interesting to them.
To save money, most of the bureaus have outsourced their dispute centers to locations abroad, and have trained their dispute staff to be able to handle dispute processing in the fastest and most efficient way possible. This is efficient for the credit bureaus, not for you. The information you provide them will be processed, converted into a two-digit code, and electronically submitted almost within a matter of seconds.
The problem with this is it doesn't allow for very much leeway or personalized attention as to the nature of your dispute. If there was simply an inaccuracy or typo on your credit report, this is fine, but for more involved matters it can be frustrating. There is no need to become disenchanted with this process however, because with persistence and the assistance of a professional credit repair service, your best credit interests can still be represented. Stick with it, and you will see the results that you are looking for. It does take patience, which is always helpful in the world of credit.