DIY Credit repair software
Repair Your Own Credit
One-Time Fee SoftwareÂ
Repair your credit on your own terms, without expensive professionals or confusing paperwork.
100% Risk Free. With 30-Day Money-Back Guarantee.
Our DIY Credit Repair Software puts you in charge of your financial future with a fast, completely automated system that anyone can use. No more spending hours studying credit reports or researching dispute tactics – our software manages the heavy lifting for you.
Fixing your credit professionally has never been easier or more effective, allowing you to achieve the score you need for the life you want.
Why Use Our DIY Credit Repair Software?
Improving your credit score can save you thousands of dollars in interest and open doors to better financial opportunities. Traditionally, you would pay around $750–$1500 for a credit repair service or struggle through the tedious process yourself.
With our professional DIY solution, you save money and stay in control.
Save Money
You’ll only pay $199.95 once for the credit repair software. This is a fraction of what most credit repair companies charge, with no setup fees or contracts.
Save Time
Unlike other methods that require manual data entry and endless letter writing, our automation does the boring work in 15 seconds per month – not hours. No need to learn complex laws or draft letters from scratch.
Empowerment
You’re in charge of your own credit repair. No need to hire a company to send generic disputes that bureaus might reject. Our professional software helps you generate highly effective, personalized, and professionally drafted dispute letters—designed to meet legal standards and compel credit bureaus to respond and take action.
Professional Results
Enjoy the same tools and strategies used by credit repair experts, packaged in a user-friendly software. The dispute letters and techniques are based on consumer protection laws, giving you the best chance to remove erroneous negative items from your credit reports.
Schedule a 10 Minute Live Presentation
Book a no-prressure 10-minute live presentation of our powerful DIY Credit Repair Software! An expert will guide you through the software’s key features and functionalities, answering any questions you may have along the way. Discover how easy it is to take control of your credit today!
Your security is our top priority. You can sleep soundly knowing that your data is fully encrypted both at REST and in TRANSIT, ensuring it’s protected every step of the way.
How It Works: 3 Simple Steps
Our DIY Credit Repair Software makes the process simple from start to finish. In just three steps, you’ll go from signing up to sending professional dispute letters:
Step 1. Enter Your Information:
Sign up and enter your basic info (Name, Address, Social Security number, Date of Birth, etc.). This secure data entry only takes a minute.
Step 2. Import Your Credit Report & Automate Disputes
Connect your Credit Report Monitoring service with the program. We are compatible with Identity IQ, MyScore ID, SmartCredit, MyFreeScoreNow, HighScoreNow, IdentityClub, Privacy Guard, IDCLud, MyThreeScores, MyScore750, CFILifePlan and more. We recommend this: Identity IQ (the industry’s most trusted 3-bureau report provider) to import your complete credit report automatically. Within seconds, the software analyzes all three bureaus and generates a personalized dispute plan – with no human intervention needed!
Note: All credit report pulls from the Identity IQ credit monitoring service won’t affect your credit score. It does not create a hard inquiry.
The DIY Credit Repair Software will automatically:
- Prepare Freeze Letters for all Secondary Credit Bureaus (so third-party data furnishers can’t interfere).
- Create Personal Information Letters for Experian, Equifax, and TransUnion to fix any incorrect addresses, names, or other personal data.
- Create Debt Validation Letters to send to every Collection Agency reporting against you, forcing them to verify or remove inaccurate debts.
- Compile detailed FCRA Violation Tables using the FCRA Law – ensuring every line of data on your report is consistent across all bureaus. Any inconsistency becomes a point of dispute in your favor.
- Generate Metro 2 Dispute Letters targeting every erroneous detail (like dates, balances, statuses) of each negative account. This advanced tactic leverages the credit bureaus’ own reporting standards to challenge inaccuracies from all angles.
- AI filter inquiries: Identify which Credit Inquiries are Linked to Open Positive Accounts (like your current credit cards or loans) so you don’t accidentally dispute healthy accounts you’re actively using.
- Assign the Appropriate Dispute Reason and Letter to Every Derogatory Item (late payments, collections, charge-offs, etc.) on your report, customized to each account’s situation. No other Credit Repair Software does all this
Step 3. Print & Mail Your Letters
Once your dispute letters and forms are generated, simply print them out. The software creates pre-filled envelope inserts for you, so you know exactly what goes in each envelope. Sign the letters and drop them in the mail – that’s it!
Creditors and Credit Bureaus have 30 days by law to investigate and respond to your disputes, so you could start seeing results in as little as a month. Each month, you can refresh your Identity IQ report, and the software will automatically indicate which negative items were deleted, and even generate different follow-up disputes with new strategies as needed. You’ll always know what’s happening with your credit throughout the process.
100% Risk Free. With 30-Day Money-Back Guarantee.
Comprehensive & Compliant Disputes
Our DIY Credit Repair Software is unique in the industry because it delivers a truly comprehensive credit repair strategy automatically. Every letter is professionally written and compliant with current laws, using every possible angle to challenge inaccurate data:
All-in-One Solution
Most DIY tools only tackle basic disputes, but we cover everything – from bureaus to creditors to collectors. For example, freeze letters to secondary bureaus and debt validations letters are included automatically, which are steps often overlooked by others. This thorough approach means no stone is left unturned in your mission to fix your credit.
Professional Templates
The dispute letters are of the same quality used by credit repair professionals, designed to leverage consumer protection statutes like the FCRA and FDCPA. Letters (on paper) are far more effective at getting permanent deletions than online disputes, which can be rejected on technicalities. Our letter generator ensures each letter is phrased for maximum impact while remaining truthful and compliant.
Metro 2 Argumentation
We utilize the Metro 2 credit reporting format standards in your favor. This means if an item on your report doesn’t meet the bureau’s stringent reporting requirements in every detail, we highlight that discrepancy. It’s a powerful technique to force removals of data that can’t be verified—right down to the smallest detail.
Up-to-Date with Laws
Credit laws and bureau policies change over time. Rest assured, our system is kept current. The letters and dispute reasons are updated to reflect the latest consumer rights, giving you the best chance to delete erroneous derogatory items from your credit report.
Fast, Easy & Foolproof
We designed this software to be used by anyone, no credit repair experience needed. From automating complex tasks to providing clear instructions, every step is straightforward. You can fix your credit from your home with just a few clicks, just as easily as shopping online or paying a bill. The software’s intelligent guidance means you won’t make common mistakes like disputing the wrong things or missing critical details. It’s all handled for you, in a friendly interface that saves you from frustration. With our DIY system, all the hard work is done for you, so can focus on the results, not the process.
Who Is This Software For?
Our DIY Credit Repair Software is perfect for anyone who wants to improve their credit score professionally while saving a lot of money. If you fall into this group, this solution is for you:
Budget-Conscious Individuals
Credit repair services can cost hundreds of dollars over time. With our software, you achieve the same (or better) results for the cost of a modest monitoring subscription. It’s month-to-month, so you’re never locked in.
Go-Getters and Do-It-Yourselfers
Enjoy the satisfaction of taking matters into your own hands. The software empowers you to manage your credit repair like a pro, without being an expert. You remain in full control of the process.
Anyone with Credit Challenges
Whether you have a few late payments or more serious derogatory marks, we’ve got you covered. You can dispute late pays, collections, charge-offs, repossessions, bankruptcies, judgments, inquiries, and more across all 3 bureaus. Even identity theft records or erroneous personal information can be addressed. If negative items are hurting your score, this tool will help you challenge them efficiently.
Future Homebuyers & Big Goal Seekers
Planning to buy a home, finance a car, or get a better credit card? This software can help boost your score so you can qualify for a mortgage or loan, lower your interest rates, and even avoid security deposits on utilities. Basically, anyone 25 to 65 (or beyond!) who wants a stronger financial footing can benefit from a better credit score.
Professionals Assisting Clients
Are you a mortgage broker, real estate agent, or financial coach with clients who need credit improvement? Our software can be a game-changer for them (and for you, if you choose to offer it as an added value to your services). We even offer special rates for bulk or private-label partnerships, so you can help others while building your business.
Pricing and Getting Started
100% Risk Free and Simple!
Our DIY Credit Repair Software has a 30-day money-back guarantee. Your satisfaction is our priority. If you’re dissatisfied with our software within the first 30 days, simply contact us for a full refund, no questions asked.Â
Easy
Highly Efficient
Risk Free
100% Risk Free. With 30-Day Money-Back Guarantee.
Easy Steps on How to Use Our DIY Credit Repair Software
Step 1: Log-in to Your DIY Credit Repair Software.
Once you subscribed, we will set you up with our DIY Credit Repair Software platform (see how it works here). There’s nothing to install – it’s a secure web-based application you can use on your computer or phone. You will receive an email with login instructions in the next 24 hours after subscribing.
Step 2: Sign Up for IdentityIQ
You need to sign up with a Credit Report Monitoring service (IdentityIQ is recommended) . This service provides your tri-bureau (Experian, Equifax, and TransUnion) credit reports and scores in one place, it’s the data our software uses to do its magic, and it costs only $21.86 / month (cancel anytime)Â
IdentityIQ is the most respected credit report provider, known for providing accurate and up-to-date credit reports. Includes Identity Theft Insurance.
Step 3: Automate Your Credit Repair
Enter your info, import your report, and let the software generate your dispute package (see how it works here). If you ever have questions, our friendly support team is ready to help (though we’ve made the system so straightforward, you likely won’t need much help).
Step 4: Watch Your Credit Improve
Send out your first batch of dispute letters and keep an eye on your credit scores in the monitoring dashboard. Many users start to see results within 30 days as bureaus respond to disputes. Over the next few months, you could see significant score increases – 100 points or more is not uncommon for people with multiple negatives removed. And remember, you’re saving money every step of the way by doing it yourself!
Unlike traditional credit repair services that may prolong the process to keep you paying monthly, our goal is to help you achieve results as efficiently as possible. If that means you only need a few months of the software to clean up your reports, great! You can cancel your credit monitoring services (IdentityIQ) subscription at any time – although you’re welcome to keep it for ongoing credit tracking and the occasional tune-up of any new issues that arise.
100% Risk Free. With 30-Day Money-Back Guarantee.
Professional Results with Zero Hassle
DIY Credit Repair Software takes the guesswork and manual effort out of fixing your credit.
Automatically imports your 3-bureau credit reports without triggering a hard inquiry.
Automatically identifies negative items.
Generates customized dispute letters in one-click.
Protects your credit by preventing disputes on inquiries linked to positive accounts.
Professional-grade results without having to be a credit expert.
Intelligently escalates disputes when needed.
Tracks your monthly progress and updates account statuses—such as deleted, ignored, or unchanged.
Automated and strategically guided.
Accessible anytime and anywhere with our web-based application.
Your credit score is your key to financial freedom – and now you hold the key. With our DIY Credit Repair Software, you can reclaim your financial independence and do so in a simple, affordable, and effective way. No more feeling helpless about errors or negatives on your report. It’s time to take action and transform your credit score with a proven system that makes it easy.
Qualify for a Home Loan
Get Your Dream Car
Enjoy Low Interest Rates
Join the many others who have taken control of their credit and achieved their goals. You could be just a few clicks away from a brighter financial future
100% Risk Free. With 30-Day Money-Back Guarantee.
Frequently Asked Questions
Is DIY Credit Repair Software really 100% Automatic?
Yes, with one click, it will import the 3 credit reports, create the Freeze Letters (8-10), create the Personal Information Letters, create the Collection Validation Letters, Identify the Inquiries linked to Positive Accounts, create all the Factual Discrepancy Tables, assign all Dispute Reasons and Dispute Letters to all the other Derogatory Items and do all that in 15 seconds.
Why is it better to mail my letters than send them using a third-party service?
Credit Bureaus sometimes send a “stall letter” when they notice that the letters don’t come from the user’s zip code. Therefore, it is better to send your letters with a genuine stamp and from your zip code.
Why should I not dispute all inquiries?
Inquiries linked to positive accounts should not be disputed, or you can use the credit card or whatever loan is linked to them. Also, inquiries between one and two years should not be disputed, because they don’t affect your credit score, and the fewer inquiries you dispute, the better. Your DIY software automatically identifies and sets them all to IGNORE so they are not disputed.
Why should I send the Freeze Letters to Secondary Bureaus?
Secondary Bureaus feed information to the main Bureaus (Equifax, Experian, and TransUnion), and by freezing those Secondary Bureaus, you prevent them from sending this information. Therefore, when derogatory items can’t be verified, they should be deleted by law. Your DIY software automatically creates all these important Freeze Letters.
Why should I send "Collection Validation Letters" to creditors?
Before disputing collections with the Credit Bureaus, you should send Collection Validation Letters to the Creditors (especially when those creditors and collection agencies). This is to inform them that they should not validate these debts with the Credit Bureaus if they don’t have the correct paperwork (documents, signatures, etc). Your DIY software automatically creates all these important Collection Validation Letters.
Do I have to send Certified Mail the Collection Validation Letters?
While many recommend sending the Collection Validation Letters by Certified Mail, we suggest sending them First Class initially (as the cost is expensive), and if the Collection Agency validates the collection, then resend that letter by Certified Mail. Still, leave the text at the top of the Collection Validation Letter as sent by certified Mail, even though it wasn’t.
Should I send my Social and Driver's License with the Collection Validation Letters?
No, you should not. Most of the time, the Collection Agencies don’t have that information so that you would be providing them with valuable information. Credit Money Machine automatically hides the documents when sending to Collection Agencies, and also the letters don’t contain any of this information.
Why should I not dispute everything in the first round?
In the first round, we recommend sending the Freeze Letters (to the Secondary Credit Bureaus), the Personal Information Letters to the 3 Main Bureaus, and the Collection Validation Letters (to the collection agencies). We call this setting up the battleground. This way, it would be much easier to dispute after getting those letters in place.
Why should I send Personal Information Letters?
Your previous addresses, phone numbers, employment, etc., are linked to previous inquiries, collections, and all sorts of derogatory items. By straightening out that information, it will make it easier to delete Inquiries and other derogatory items.
Why are the Metro 2 letters so important?
DIY Credit Repair Software disputes all available parameters under the Metro 2 based on the Dispute Type, and automatically. This is an extremely powerful technique to delete derogatory items.
What are FCRA Discrepancy Tables?
The FCRA Law requires that certain parameters under the Metro 2 system be the same across Bureaus based on the type of derogatory item. DIY Credit Repair Software detects those differences and puts them in a FCRA Discrepancy Table inside the letters automatically and as appropriate. This is the most effective way to delete derogatory items.
How can I prevent the infamous "Stall Letters"?
We recommend a two-fold strategy: first, print your letters and use a live stamp in your envelopes; second, our letters have a proactive paragraph to avoid receiving such letters that is inserted automatically in letters sent to Experian and TransUnion since Equifax does not send such letters at the moment,
What should I do if I receive a "Stall Letter"?
We have a specific letter to respond to those stall letters (“Letter deems suspicious”) but remember that we send a proactive paragraph in our letters to avoid receiving these stall letters in the first place.
DISCLAIMER
The information provided on this website, including but not limited to our FAQs, software features, and educational content, is for informational and educational purposes only. It is not intended as, and should not be considered, legal advice. We are not attorneys, and no attorney-client relationship is formed through your use of this website or our software.
While we strive to provide accurate, up-to-date, and useful information, we make no guarantees regarding the completeness, reliability, or accuracy of any content on this site. Laws and regulations concerning credit reporting and repair may change or vary by jurisdiction, and you are encouraged to consult with a qualified legal professional regarding your specific situation.
By using this website or our services, you agree that DIYCreditRepairSoftware.com and its affiliates are not liable for any actions you take based on the information provided.