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You should only have to write them once if the dispute is legitimate, as long as you can provide proof that it is legitimate. If you are using a "credit repair" agency, chances are you are being ripped of with their "services." They repeatedly send out letters to the credit reporting agencies in hopes they will finally give in and change something. Chances are, they will not help your credit unless there are actual errors being reported.

The best way to raise your credit score is to lower your balance to available credit to below 50%. Also do not close any accounts that you have, even if your balance is zero. Just avoid running up any more charges. Time is the only thing that will heal the blemishes in your credit rating.

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Q: How many times do you have to repeat the process of disputing a debt with the credit bureau?
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