if credit repair doesn't work then why is my up 100 points since I started?

They dispute correct information, your score goes up and then when the info is validated, your score goes back down probably the next month.

You could have done the same thing for free and the same end result would occur.

Only if one or more of the creditors fail to verify will your score improve permanently.

Id guess that happens maybe 3-5% of the time at the most.

So, no lasting improvement at least 95-97% of the the time.

'Companies that promise they are able to scrub your credit reports of accurate, negative information for a fee are lying - plain and simple,' said Lydia Parnes, Director of the FTC's Bureau of Consumer Protection. 'Under federal law, accurate, negative information can be reported for up to seven years, and some bankruptcies can be reported for up to 10 years.'

This is temporary. The negative items will come back.