Yes. Depending on your time, patience, perseverance, and complexity of your dispute, you can successfully dispute inaccurate credit report items on your own. However, credit bureaus' strategies and tactics make the process often time consuming, overly burdensome and ineffective for the consumer. Disputing items is not difficult; getting results is.  Remember, these are billion dollar companies that pad their pockets with consumers with lower credit scores.  For this reason, the bureaus are often not too cooperative with your disputes.