I did it myself (not without frustration). I had to make calls, follow up, create a paper trail, etc. So far everything is going well

Mind you, I am a diligent researcher, and not everyone can navigate the twists and turns thrown at you. I have had to correct erroneous errors like my mortgage cost. So you have to read EVERYTHING sent your way.

So I can see where experts would be needed for people who are struggling.