Fix Your Credit Yourself

The Legal DIY Guide to Disputing Errors, Handling Collectors and Raising Your Score, With Copy-Ready Letters and a 90-Day Plan

Do everything a credit repair company does, legally and for the cost of postage, with copy-ready letters and a clear 90-day plan.

$12.99

Buy now – $12.99

Instant PDF download · Secure checkout · Read on any device

What you get

Nine copy-ready dispute letters built on specific FCRA sections
A five-pass audit checklist to find every error on all three reports
Debt validation letter and your rights under the FDCPA and Regulation F
Medical debt after the 2025 court ruling: what bureaus still remove
Goodwill and pay-for-delete letters, with honest odds
Utilization timing and rapid rescoring explained with worked examples
How to spot credit repair scams and use the CROA
A week-by-week 90-day plan with four worksheets

Credit repair companies charge monthly fees to mail letters you have every legal right to send yourself, for free. This book shows you exactly how, using the same federal laws they rely on, with no gimmicks and no false promises.

You will pull all three credit reports free, then audit them line by line with a five-pass checklist that finds wrong balances, re-aged collections, duplicate debts, mixed files and identity theft. Then you dispute every error under the Fair Credit Reporting Act with nine copy-ready letters: bureau disputes, direct furnisher disputes, identity theft blocks, method-of-verification requests, bankruptcy corrections and more, plus an escalation ladder for when a bureau says "verified."

You will also learn how to make collectors prove a debt under the FDCPA and Regulation F, when pay-for-delete is realistic and how to get it in writing, how to write goodwill letters that have a real chance, and where medical debt stands after the CFPB rule was vacated in 2025, including what the three bureaus still remove on their own.

The second half is about building: secured cards, credit-builder loans, authorized-user accounts, utilization timing that can move your score in one billing cycle, smart rate shopping and rapid rescoring before a mortgage. A full chapter shows how to spot credit repair scams and use the Credit Repair Organizations Act against them.

It ends with a week-by-week 90-day plan and four worksheets, plus a list of official sources to check, because credit rules keep changing. Updated for October 2026. Educational only, not legal or financial advice.

What's inside

Read This First: What You Can Legally Fix (and What Nobody Can)
How Your Score Is Actually Built: FICO and VantageScore Decoded
Pull All Three Reports Free and Read Them Like an Auditor
The Error Hunt: A Line-by-Line Audit of Your Reports
Disputing Errors Under the FCRA: The Method That Gets Results
Copy-Ready Dispute Letters (Fill In and Mail)
When a Dispute Fails: Escalate Without Losing Your Cool
Make Collectors Prove It: Debt Validation Under the FDCPA and Regulation F
Collections, Goodwill Letters and the Truth About Pay-for-Delete
Medical Debt on Your Report: What Changed in 2025 and What Still Protects You
Credit Repair Scams and the Law That Stops Them (CROA)
Build New Credit: Secured Cards, Credit-Builder Loans and Authorized-User Accounts
Utilization Tactics: The Fastest Legal Points You Can Earn
Before a Big Application: Rapid Rescoring, Rate Shopping and Timing
Official Sources and Where to Check Before You Act
Your 90-Day Credit Repair Plan (With Worksheets)

Read a sample

Here is the honest truth about credit repair: there is no secret. Nothing a paid company can do for you is off-limits to you. The law that lets you challenge your credit report, the Fair Credit Reporting Act (FCRA), gives every consumer the same rights for free. The law that controls debt collectors, the Fair Debt Collection Practices Act (FDCPA), protects you whether or not you hire anyone. Companies that charge monthly fees are mostly mailing letters you can write in ten minutes. This book shows you how to do that work yourself, step by step, with letters you can copy word for word. It also shows you what does not work, so you stop wasting months on tactics that only produce form-letter replies. Everything on your credit report falls into one of two buckets. Knowing which bucket a problem sits in tells you which tool to use. Most of the misery in credit repair comes from mixing these up. People dispute accurate items as "not mine," get them verified, and then conclude the system is rigged. Others ignore real errors because they assume everything on the report is correct.