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.
Score Center3 bureaus3 bureaus · 300 to 850
Illustrative preview: TransUnion, Experian, Equifax gauges rising from about 502 (Poor) to about 748 (Good) on the 300 to 850 VantageScore scale.
$39.99/mo·cancel anytime·no contracts·billed by IdentityIQ
110% money-back guarantee: enroll, stay active for six months, and complete the required certified dispute rounds. If no inaccurate negative item is deleted, an approved claim pays 110% of eligible membership fees. Conditions apply; 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 prepared for delivery to Experian, Equifax, and TransUnion.
Postage purchased separately. 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 prepared for you
Professionally tested dispute letters are generated and prepared for delivery to the bureaus. Postage is purchased separately.
1
dashboardReal-time dispute tracking
Keep every dispute, bureau response, and next step organized in one dashboard.
110%The six-month 110% guarantee
Enroll, keep the account active, and complete four certified dispute rounds. If no inaccurate negative item is deleted, an approved claim pays 110% of eligible membership fees. Conditions apply. 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.
Google reviews
What clients say about the team.
Public Google reviews of DIY Credit AI and Credit Supreme, the South Florida team behind both. Individual experiences, not a score promise.
Members also get the Inner Circle: how people actually work the file after they subscribe.
Pricing
One plan. Everything included.
DIY Credit · Membership
110% money-back guarantee$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. Postage is purchased separately.
Start for $39.99/moAI scan of Experian, Equifax, and TransUnion
Unlimited disputes
Dispute letters generated and prepared for delivery
Real-time dispute tracking
Mobile and desktop
Inner Circle community (yours even if you cancel later)
110% money-back guarantee: enroll, stay active for six months, and complete four certified dispute rounds through the platform. If no inaccurate negative item is deleted, an approved claim pays 110% of eligible membership fees. Conditions apply; this is not a score promise. Read the full guarantee terms.
Who built this
Built here. Not a faceless repair mill.
DIY Credit is run by co-founders Chris Contreras and Dimitri Katsabanis out of South Florida. We use the same platform.
Chris Contreras
Co-founder
Dimitri Katsabanis
Co-founder
110%money back
six-month guarantee
Follow the process. If nothing comes off, get 110% back.
Enroll, keep your membership active for six months, and send four complete dispute rounds through the platform using certified delivery. If no inaccurate negative item is deleted, an approved claim pays 110% of eligible membership fees. Conditions apply; this is not a score-increase promise.
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.
- 02How does the 110% Money-Back Guarantee work?You must enroll, keep an uninterrupted paid membership for six months, submit four complete dispute rounds through DIY Credit using certified delivery, avoid new derogatory activity, and meet every published requirement. If no inaccurate negative item is deleted, an approved claim pays 110% of eligible membership fees. Postage and third-party charges are excluded. This is about deletions, not a promised score increase. Read and enroll at diycredit.ai/guarantee.
- 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.
110% money-back guarantee: enroll, stay active for six months, and complete every required certified dispute round. If no inaccurate negative item is deleted, an approved claim pays 110% of eligible membership fees. Conditions apply; not a score promise. See terms.