DIY CREDIT
$0Free, with no trial to cancel- ✓Unlimited AI-drafted dispute letters
- ✓All three bureau reports in one workspace
- ✓You choose every item you dispute
- ✓A record of what you sent and when
- ✓Changes tracked on every new report
DIYcreditPRICING
The software is free.
You pay for the reports.
DIY Credit does not charge you for anything: not the workspace, not the letters, not the number of disputes you prepare. The only costs are the credit report membership that feeds it, and the stamps on the envelopes you mail.
SMARTCREDIT® MEMBERSHIP
$34.95/mo7-day trial for $1 · cancel anytime- ✓Monthly three-bureau reports and scores
- ✓Credit monitoring with alerts
- ✓Identity theft insurance
- ✓SmartCredit® Money Manager
STRAIGHT ANSWERS
Before you pay anything.
What will I actually be charged?+
$1 today for a 7-day SmartCredit® trial, then $34.95 a month if you keep it. That charge is ConsumerDirect's, not ours. DIY Credit itself never charges you anything.
Why isn't it completely free?+
Because your credit reports have to come from somewhere. The bureaus do not hand them to software for nothing, and SmartCredit® is the membership that pulls all three and keeps them current. We cannot bring your reports in without it.
How do I cancel?+
Directly with SmartCredit®, at any time, including during the trial. It is a separate membership from your DIY Credit account, so deleting your DIY Credit account does not cancel it — you have to cancel with them or you will keep being billed.
I already have SmartCredit®. Do I need another one?+
No. There is a “Connect it instead” option on the enrollment screen. You link the membership you already have and pay nothing extra.
What does postage cost?+
Whatever USPS charges. Disputes are usually sent by certified mail with return receipt so you have proof of the date the bureau received it, which costs a few dollars per letter. You pay that to the post office, not to us.
Is there a contract or a minimum?+
No contract and no minimum term on either side. DIY Credit is free for as long as you want it, and the SmartCredit® membership is month to month.