- Disputing the errors in your report also prevents you from taking unneeded bad credit repair services. Most people who receive low scores due to inaccuracies do not challenge the report they receive. Instead they seek bad credit repair advice so that they can improve their credit rating. But in doing so, they waste their time and money on something that is entirely unnecessary. On the other hand, by contesting the errors in your report, you can have them removed from your records for free.