Yes, you can do credit restoration yourself. However, it is important to understand the credit reporting system and the laws that govern it. You can find a lot of helpful information on the websites of the three major credit bureaus (Equifax, Experian, and TransUnion). If you decide to do credit restoration yourself, be sure to keep detailed records of all of your communications with the credit bureaus and your creditors. This will help you to track your progress and ensure that your rights are being protected.

It is generally safe, but there are a few risks to be aware of. One risk is that you may be charged upfront fees by a credit "repair" company. These fees are illegal, and you should not pay them. Another risk is that a credit "repair" company may make false promises about what they can do for you. For example, a company may promise to remove accurate negative items from your credit report. This is not possible, and you should avoid any company that makes this promise. Finally, there is a risk that a credit "repair" company may damage your credit score further if they do not follow the proper procedures. This is why it is important to choose a reputable credit restoration partner.

If you are unhappy with your credit restoration results, you should contact the company and express your concerns. The company may be able to help you to identify and address any problems with your credit report. If you are still unhappy with your results, you can file a complaint with the Consumer Financial Protection Bureau (CFPB). The CFPB is a government agency that protects consumers from unfair and deceptive practices by financial institutions.