What’s the difference between disputing items myself and working with Elevate My Scores?

You can absolutely dispute items yourself — it’s your legal right. Any company that tells you different is not a legitimate company. Where a FICO-certified coach adds value is in identifying which items are worth disputing, drafting disputes that hold up to bureau scrutiny instead of getting rejected as frivolous, and pairing that work with a coaching plan that addresses the underlying factors (utilization, account mix, payment history) driving your score, not just the negative marks.