The Fair Credit Reporting Act allows any individual the right to dispute any and all items found on your credit report that are inaccurate, unverifiable, incomplaete, or misleading. If the credit bureaus (Transunion, Equifax, Experian) can not prove that the details of your reports are indeed acurate, then they must remove the items in question immediately.
The law also promises that requesting changes is made as easy as possible. Of course the credit bureaus ensure that it is not the case and often make it difficult. It should come as no surprise that that the FTC gets more complaints against credit bureaus than any other type of business. The credit bureaus are primarily interested in protecting their profits, not helping you get an accurate file. Investigating your disputes consumes their time and thus their profits. Credit bureaus often seem to do everything they can to discourage consumers fand generally make things difficult.
All that said I am still confident that the vast majority of individuals can infact repair their own credit. Read the blog, follow the guidelines and ask questions. Before long you too will have great credit.