STEP / 01
Scan.
Connect to all three bureaus in minutes. Our AI reads every line on your reports and flags every error: late payments, charge-offs, collections, identity issues, and more.
Average scan: 38 seconds. No credit-pull hit.
DIY Credit · Est. 2023Self-serve. AI-powered.
Take back control
of your credit.
Scan all three bureaus, dispute inaccuracies, and mail the letters from one dashboard. $39.99/mo. You run it.
$39.99/mo·cancel anytime·no contracts·billed by IdentityIQ
90-day deletion promise: if nothing comes off your reports after you actually dispute, we refund those 90 days. Not a score promise. See terms.
As featured in
finance
financeThe problem
Credit reports have errors more often than people think.
The FTC found that about 1 in 5 consumers had an error on at least one of their three credit reports. Most people never dispute the inaccuracies. Accurate, current negatives stay on the file — nobody can legally wipe those. The work is finding what is wrong and disputing that.
Start for $39.99/moDetected on report · sampleSCAN_RESULT_0418
01
Late payments
flagged
02
Charge-offs
flagged
03
Collections
flagged
04
Repossessions
flagged
05
Bankruptcies
flagged
06
Foreclosures
flagged
07
Student loans
flagged
08
Identity theft
flagged
09
Inquiries
flagged
Ready to dispute · all 3 bureaus
9 / 9How it works
Three taps from stuck to moving.
Most platforms make you a project manager. DIY Credit makes you a tap- and-submit operator. The hard parts run in the background.
STEP / 02
Submit.
Tap to dispute. Professionally tested dispute letters are generated on your behalf and mailed directly from the platform to Experian, Equifax, and TransUnion.
We pay the postage. Certified mail available.
STEP / 03
Fix.
Track every dispute in one dashboard. Bureaus must respond within 30 days by law. When items get removed, you see the score change land in real time.
30-day legal response window · FCRA §611
What you get
Built by credit experts.
Engineered to win.
Every feature exists because it moved scores in the real world. No filler. No upsells. Just the tooling our team wishes they had when they fixed their own credit.
3
bureausAll three bureaus, one platform
Pull Experian, Equifax, and TransUnion reports together. See every account, every error, every change, in one place.
∞
per monthUnlimited disputes
Most repair companies cap your monthly disputes. We don't. Hit it as hard as your report needs.
Unlimited
lettersLetters mailed for you
Professionally tested dispute letters, printed and mailed to the bureaus. You do not lick a stamp.
0
stamps requiredWe pay the postage
Printing and mailing are part of the membership, not an add-on. Certified mail is available when a dispute needs a paper trail.
90The 90-day deletion promise
If not a single item is deleted from your credit reports in your first 90 days, we refund the membership fees for that period. Deletions, not a promised score. See the details.
Inside the platform
This is the actual dashboard.
One member, first stretch on the platform. VantageScore 3.0, which is not always the score a lender uses. Results vary. We do not guarantee a score increase. Accurate current negatives cannot be removed.
Jasmine T.
Nurse, Atlanta GA
“
I had three collections I thought I was stuck with forever. I logged in, tapped dispute, and the system mailed everything. Two of them came off in the first month. The community is what kept me going, with people sharing exactly what worked for them.
Marcus B.
Small business owner
“
I'd paid a credit repair company $99/month for almost a year and barely moved my score. DIY Credit got me approved for my first business line in three months for less than half the price. I'm not going back.
Renee A.
New mom, first-time homebuyer
“
We weren't going to qualify for the mortgage on our first house. My loan officer literally told me to try this. The inaccurate items came off across four months. We close on the house next week.
DeShawn L.
Veteran
“
Built-by-credit-experts is not marketing here. The dispute letters they generate actually know which laws to cite. I've recommended this to half my unit.
Members also get the Inner Circle: how people actually work the file after they subscribe.
Pricing
One plan. Everything included.
DIY Credit · Membership
90-day deletion promise$39.99/ month
Billed by IdentityIQ. On the next screen the plan is labeled Preferred. That is this membership.
Cancel in the dashboard. No long-term contract.
Start for $39.99/moAI scan of Experian, Equifax, and TransUnion
Unlimited disputes
Letters generated, printed, and mailed for you
Real-time dispute tracking
Mobile and desktop
Inner Circle community (yours even if you cancel later)
90-day deletion promise: stay active, send disputes through the platform, and if not a single item is deleted from your reports in that first 90 days, email leadership@diycredit.ai with your IdentityIQ membership number within 30 days of the 90-day mark for a refund of those membership fees. This is deletions, not a score increase. Outside the promise, a month that has already started is not refunded. Full terms on the refunds page.
Who built this
Built here. Not a faceless repair mill.
DIY Credit is run by Chris Contreras and his partner out of South Florida. We use the same platform.
Chris Contreras
Co-founder
Dimitri Katsabanis
Co-founder
90day promise
90-day deletion promise
If nothing comes off, you should not pay for those 90 days.
Work the platform for 90 days and send disputes. If not a single item is deleted from your credit reports, we refund the membership fees for that period. Deletions, not a score increase. To claim it: email leadership@diycredit.ai with your IdentityIQ membership number within 30 days after the 90 days end.
Start for $39.99/moQuestions
The things you should ask.
Credit repair is a category full of half-truths. Here's the straight answer to the things people actually want to know.
- 01Is DIY credit repair actually legal?Yes. The Fair Credit Reporting Act (FCRA §611) gives every consumer the right to dispute inaccurate, incomplete, or unverifiable information on their credit reports. Credit repair companies have no special legal power. They file the same disputes you can. DIY Credit just makes the process faster and gives you the expert-built letters.
- 02What is the 90-day deletion promise?Stay active, send disputes through the platform, and if not a single item is deleted from your reports in the first 90 days, we refund those membership fees. Email leadership@diycredit.ai with your IdentityIQ membership number within 30 days of the 90-day mark. DIY Credit is billed by IdentityIQ; you will see plan name Preferred at $39.99/mo on their checkout. This promise is about deletions, not a score increase.
- 03Who charges my card?IdentityIQ. DIY Credit is the platform and community. Checkout and monthly billing are IdentityIQ (plan name Preferred, $39.99/mo). Manage billing at member.diycredit.ai. We do not see your full card number.
- 04Will using DIY Credit hurt my score?No. Disputes do not lower your score. The only thing that affects your score is what gets removed (good) or what stays (neutral). The act of disputing is invisible to lenders.
- 05How fast will I see results?By federal law, bureaus have 30 days to respond to each dispute. Most members see their first round of removals between days 21 and 45. The full process for a typical report runs 60 to 120 days depending on how many items you're disputing.
- 06What if my disputes don't get items removed?You re-dispute. The platform tracks every response and helps you escalate with method-of-verification requests, debt validation letters, and CFPB complaints when warranted. Most items that don't come off the first round come off the second or third.
- 07How is this different from Credit Karma or Credit Repair Cloud?Credit Karma just shows you your report. It doesn't dispute anything for you. Credit Repair Cloud is software built for companies to dispute on behalf of clients. DIY Credit is the only platform built for you, the consumer, to operate at a professional level. And it mails the letters for you.
- 08Can I really cancel anytime?Yes. There are no contracts, no annual commitments, no cancellation fees. Cancel from inside the dashboard in two taps. Even after you cancel, you keep lifetime access to the Private DIY Credit Community.
Your turn
Your credit file,
on your terms.
$39.99/mo. Cancel anytime. Next step is IdentityIQ checkout for the Preferred plan. That is this membership.
90-day deletion promise: if not a single item is deleted from your reports in your first 90 days of active membership and dispute activity, we refund those membership fees. Deletions, not a score increase. See terms.