Connect.
Bring in your three-bureau reports. No manual uploads.
DIYcreditDIY CREDIT REPAIR SOFTWARE · REPORT TRACKING & LETTER TOOLS
DIY Credit: Review your credit.
Let Ai handle the disputes.
Review connected credit reports, choose information you would like to dispute, and prepare letters with AI.
- SmartCredit®: $1 for 7 days, then $34.95/mo
- Cancel anytime
Where your credit standsTransUnion · Experian · Equifax
Synced761Very Good
300+24 since your last report850
- FLAGGEDCollection · Harbor PointYou marked this as not yours
- DRAFTEDLetter to TransUnionWaiting for your signature
- SENTCertified mail, all three bureausTracking number saved
- CHANGEDNewer report came inOne item is gone from the file
Example view for illustration. Not a prediction. Score changes depend on the facts of your own report and are never guaranteed.
HOW IT WORKS
Three steps.
That's it.
No phone calls, no monthly repair fee, no waiting on someone else to act on your behalf.
Review.
Choose the information you believe is inaccurate.
Send.
Print, sign, and mail your AI-drafted letters.
WHAT YOU GET
Everything you need
to work your own file.
The same organization a paid service would put around your report, without handing your report to anyone else to act on.
Report review
Every account, collection, inquiry, and public record from TransUnion, Experian, and Equifax, laid out side by side so you can see where the bureaus disagree.
TransUnion658Experian678Equifax665
You pick the items
Nothing is ever selected for you. You mark what you believe is inaccurate, incomplete, duplicated, or not yours, and you say why in your own words.
AI-drafted letters
A letter written for the specific item and bureau you chose, in plain language, with your reason in it. Edit any line before you print it.
EXAMPLE DISPUTE LETTEREDITABLE DRAFT
RE: ACCOUNT INFORMATIONExample Bank · ending in 2048
I reviewed my credit report and believe this account information is inaccurate.
YOUR REASONExplain what you believe is incorrect…
Review every linePrint when ready →
Progress you can see
Refresh your report later and DIY Credit shows what changed since last time, which letters you have mailed, and what is still open.
REPORT HISTORYScore history
EXAMPLEExample data. Scores may rise or fall; no outcome is promised.
5items disputed
3no longer reported
2still investigating
- ✓Harbor Point Recovery · CollectionNot mine · disputed with all three bureausNo longer reported
- ✓Northgate Bank · Balance reported twiceDuplicate of account ending 4471No longer reported
- ✓Hard inquiry · Northline AutoNot authorized by meNo longer reported
- •Summit Card · 30 days latePaid on time — bank record attachedInvestigating
- •Cedar Ridge Recovery · Wrong dateFirst delinquency reported four years lateInvestigating
Example workspace view for illustration. Not a prediction. Whether an item changes depends on the facts of your own report, and no result is guaranteed.
1 in 5FTC CREDIT REPORT STUDYPublished 2013
WHY REVIEW ALL THREE?
Check your reports for errors.
An FTC study published in 2013 found that about one in five consumers had an error on at least one of their three credit reports. Review each report and dispute only information you believe is inaccurate or incomplete.
This is a 2013 finding, not a current estimate.
CUSTOMER STORIES
People like
doing it themselves.
Real customer experiences. Results vary.
★★★★★
“The AI found the issues, drafted the letters, and made the whole process feel manageable.”
Sarah J.
★★★★★
“It guided me step by step and created a specific letter for every account I chose.”
Marcus T.
★★★★★
“So much better than a generic template. Each draft matched the situation I was reviewing.”
Emily C.
01 / 05
FAQ
Quick answers.
Is DIY Credit really free?+
Yes. Your DIY Credit account and letter tools cost $0. SmartCredit® is a separate credit monitoring membership provided independently by ConsumerDirect and must be managed or canceled separately.
How do my credit reports get in?+
Through a SmartCredit® membership, which pulls all three bureaus and keeps them current. It costs $1 to start, they show you the full pricing before you pay, and if you already have a membership you can connect it instead at no extra charge.
Does AI send disputes for me?+
No. AI helps draft. You review, print, sign, and mail every letter. Nothing leaves your hands automatically.
What should I dispute?+
Only information you genuinely believe is inaccurate, incomplete, duplicated, or not yours. Disputing accurate information wastes your time and can be a crime if you knowingly misrepresent it.
How long does a dispute take?+
A credit bureau generally has 30 days to investigate after it receives your dispute, and up to 45 days in some situations. You will hear from the bureau directly with the result.
Are results guaranteed?+
No. Credit-report changes and score changes depend on the facts of each case. Accurate, current information generally stays on your report, and nobody can lawfully promise otherwise.
Is DIY Credit a credit repair company?+
No. DIY Credit is educational self-help software. We do not act on your behalf, contact anyone for you, or charge a repair fee.