Most so called "credit repair companies" that offer a flat rate pricing are associated with simple online dispute process, in which only addresses a few accounts each month with the three credit bureaus Experian, Equifax and TransUnion. This is done to draw out the process with no graduation timeframe. This is also a simple process you can perform yourself for free with each of the credit bureaus.Lesser credit repair companies do not communicate directly with your collection agencies, creditors or finance companies. Thus, depending upon simple online credit bureau disputes by themselves. This typically never yields the type of results a client is looking for in credit repair. The Phenix Group has an attorney enforced audit process that not only investigates at the bureau level but also audits the original creditor, original medical facilities, collection agencies, and finance companies. These types of audits hold these companies accountable to the letter of the law. This will assist with obtaining the best results, in the shortest amount of time, necessary to achieve your goals.