Mogultree Credit Centers are more unique than 95 percent of all credit repair companies out there mainly because they do not follow a simple dispute letter process. (This is something the consumers can do on their own by visiting the credit bureaus websites directly for free) Mogultree Credit Centers follows the same pre-litigation process Consumer Credit Law attorneys follow for a fraction of the costs involved. The main difference between a dispute letter process and a pre-litigation process is the steps involved and the success rate achieved.