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.
The most comprehensive self-serve credit repair platform on the internet. Built by credit experts. Scan all three bureaus, dispute errors, and mail letters directly from the system, without ever leaving your house.
$39.99/mo · cancel anytime·Trusted by tens of thousands·No long-term contracts
90-Day Money-Back Guarantee
If no items are deleted from your credit reports in your first 90 days of active membership and dispute activity, we refund your membership fees. This covers deletions, not a specific score increase. See terms.
Your score
783
▲ +77 in 90 days
EXPERIAN748+24
EQUIFAX793+31
TRANSUNION807+19
As featured in
finance
financeThe problem
80% of credit reports contain errors.
According to the Federal Trade Commission, four out of five credit reports have at least one mistake. Most are never disputed. Most cost you thousands in interest, denied loans, and higher rent.
DIY Credit finds those mistakes, and the platform mails the dispute for you.
Detected 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 fixed.
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.
Tens of thousands
of disputes mailedAI-trained on dispute outcomes
Our models are tuned against years of real dispute results, so the system flags the items most likely to come off, not just everything that looks bad.
∞
per monthUnlimited disputes
Most repair companies cap your monthly disputes. We don't. Hit it as hard as your report needs.
0
stamps requiredLetters mailed for you
Professionally tested dispute letters are generated, printed, and mailed directly from the platform. You never lick a stamp.
90The 90-Day Deletion Guarantee
If not a single item is deleted from your credit reports in your first 90 days, we refund your membership fees. Deletions, not a promised score. See the details.
Real results
Scores climb. Lives change.
People who picked up DIY Credit instead of paying $100/mo to a repair company. Here's what happened next.
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.
562718+156 · 84d
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.
604742+138 · 96d
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. Score jumped 150 points across four months. We close on the house next week.
631781+150 · 120d
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.
588756+168 · 73d
The community is the unfair advantage. Funding tips, score-boosting moves, lifetime maintenance.
Private
members only
Lifetime
access included
Pricing
One plan. Everything included.
Less than a tank of gas. No setup fees. No long-term contracts. Cancel from inside the platform, anytime. No questions.
DIY Credit · Membership
Cancel anytime90-day money-back guarantee
$39.99/ month
Full platform access. Disputes mailed for you. No tier-ups, no add-ons, no surprise charges.
Start fixing my creditAI scan of all 3 credit bureaus
Unlimited disputes, no monthly cap
Professionally tested dispute letters
Letters printed & mailed for you
Real-time score & dispute tracking
Mobile and desktop access
90-Day Deletion Guarantee: keep an active membership and send your disputes through the platform. If not a single item is deleted from your credit reports in your first 90 days, we refund your membership fees. This covers deletions, not a specific score increase. Full terms.
90day promise
Our promise
The 90-Day Deletion Guarantee.
Work the platform for 90 days and send your disputes. If not a single item gets deleted from your credit reports in that time, we refund every dollar you paid for your membership. No fine print games.
This is about deletions, the removal of negative items from your report, not a specific score increase. If nothing comes off, you should not pay. See the full terms.
Start risk-free todayQuestions
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 Guarantee?We are confident the platform gets results, so we back it. Keep an active membership, send your disputes through the platform, and if not a single item is deleted from your credit reports in your first 90 days, we refund what you paid for your membership. Note that this guarantee is about deletions, the removal of negative items from your report, and not about a specific score increase. Scores move for reasons no one controls, but a deletion is something you can see. To claim it, email leadership@diycredit.ai with your IDIQ membership number.
- 03Will 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.
- 04How 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.
- 05What 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.
- 06How 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.
- 07Can 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,
finally on your terms.
Tens of thousands of people stopped paying credit repair companies and started doing this themselves. $39.99/month. Cancel anytime.
No contracts · Cancel from the dashboard · 100% self-serve
90-Day Money-Back Guarantee
No deletions off your report in your first 90 days of active membership and dispute activity, and we refund your membership fees. Covers deletions, not a specific score increase. See terms.