Usually, most folks use a CRO to start off their endeavors with credit repair before "finishing" themselves (when the've learned the ropes). I think I'm at the point where further CRA and OC disputes to get rid of BK discharged accounts and the BK itself are becoming futile... Has anyone retained a CRO after they've done most of the work? Do you think they can do MORE for the money? My inclination is...they won't be anymore effective than what I've already accomplished... I guess I'm asking a "rhetorical question"...