CreditDIY credit repair — no subscription, no agency
Fix your credit yourself — the letters, the plan, the knowledge.
Start with a free explainer of the 5 score factors, personalized to your situation. Then unlock the full kit — dispute letters + 12-month rebuild plan — for $47, once.
The $47 kit
Everything you need to do it yourself.
A personalized PDF, generated for you — not a course, not a subscription, not a "credit repair company" taking monthly fees.
The 5 score factors, personalized
3 mail-ready letter templates
Your 12-month rebuild plan
No hype. No guarantees.
How it works
Three steps. No discovery call.
- 1. Free explainer
Pick your situation above and see the 5 score factors translated to your case. Real value, no email required.
- 2. $47 unlock
Tell us your details (name, situation, accounts). Pay once via secure Stripe checkout. No subscription.
- 3. Kit in your inbox
Your personalized PDF — letters, plan, explainer — is generated automatically and emailed to you, usually within minutes. Download it anytime from your private link.
Pricing
One price. Yours forever.
- Personalized PDF kit — generated for your situation, goal, and accounts
- 3 mail-ready letters — bureau dispute, collector validation, goodwill
- 12-month rebuild plan — month-by-month, adapted to your situation
- Certified-mail checklist — so your paper trail holds up
- Free lifetime updates to the templates
🔒 Secure checkout via Stripe · No subscription · Not legal advice
FAQ
Fair questions.
Is this legal advice?
No. The CreditFix Kit is general information only — not legal or financial advice. The letters are templates exercising rights under the FCRA and FDCPA. Consider consulting a licensed attorney or certified financial professional, especially before paying old debts.
Do you guarantee score increases?
No — nobody honest can. No letter, service, or kit can guarantee a score increase or the removal of any specific item. Many negative items contain errors worth disputing, and results vary by file, creditor, and bureau.
What exactly do I get for $47?
A personalized PDF: the 5 FICO score factors translated to your situation, 3 mail-ready letter templates (bureau dispute under FCRA §611, collector validation under FDCPA §809, goodwill adjustment for lates) with your details merged in, a 12-month month-by-month rebuild plan adapted to your situation, and a certified-mail checklist.
How is this different from a credit repair company?
Credit repair companies charge monthly fees to do what you can do yourself: dispute inaccurate items and build positive history. This kit gives you the letters, the plan, and the knowledge — once, for $47 — and you keep it forever.
Is there a subscription?
No. $47 one-time. The kit PDF is yours forever, including template updates.
How do I get the kit after paying?
It's generated automatically and emailed to you, usually within minutes. You also get a private link (your access token) where you can download the PDF anytime.
What if I have a thin file with nothing negative?
Then the rebuild plan is the main event — the kit adapts: secured card in month 1, building tradelines month by month. The dispute and validation letters are included as "keep on file" templates in case you ever need them.
Your credit won't fix itself. The letters will.
Start with the free explainer. Unlock the full kit for $47 when you're ready.