The DIY Credit Repair Toolkit
Everything you need to dispute inaccurate items yourself — professional letter templates, tools, and step-by-step education. Free, always. No card required.
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What you get, zero cost
20 dispute letter templates
Ready-to-send letters for collections, charge-offs, late payments, inquiries, and more — fill in the blanks and copy.
Open it free →Utilization calculator
See exactly how much to pay down on each card to hit the ratios that move your score the most.
Open it free →Bureau pull chart
Which bureau each of 48 major cards most commonly pulls from, so you apply where you’re strongest.
Open it free →Your FCRA & FDCPA rights
Plain-English breakdown of what bureaus and collectors are legally required to do.
Open it free →Rather have us handle it?
If you’d prefer a team doing the disputes for you, our done-for-you plans start at $50/mo — billed only after each 30-day period of work. Never in advance. Credit monitoring must stay active for the entire duration of service (about $30/mo, billed directly to you) — if it lapses, service is terminated.