This blog post is intended for people who can't afford my paid credit repairs services but don't mind going through all the hassle of fixing credit. They will find the advanced method credit bureau dispute letters with detailed instructions and guidance in my 15-years of credit repair experience. Let's face the facts, it can be overwhelming and confusing to try to repair or remove a late payment of 30 days. It can be difficult to know how to properly dispute. -- Credit Bureaus may disregard your disputes Creditors continue to verify your challenges If you have hired Lexington or a credit repair agency, it is possible that: You've spent $1000+, but there were no upfront fees They make ineffective credit bureau disputes or goodwill requests You find yourself back at the exact same place you started! Do you still want to learn how to do it? Good. This will require attention to detail but it will be worth it if you take the time to learn. Here's the scoop: Consumers can