Yes, you can. However the process can be very complex and time consuming. To be effective, you need to learn quite a few credit skills, and are required to wear the hats of an attorney and CPA.  The question is: How valuable is your time, and do you have the aptitude and inclination to put in the necessary time and effort? Our preferred credit dispute experts (and on staff attorneys) are credit restoration professionals. They work day and night, 24/7, to protect your rights in accordance with all applicable consumer protection laws. With the sheer volume of accounts handled they have the expertise to complete a task faster and more efficiently than a layperson could.  But just as you might not choose to repair you own vehicle, it isn't necessary to tackle credit repair alone.