DIY Credit Repair Program
Take control of your credit repair journey with our comprehensive DIY program featuring personalized action plans, professional dispute letters, and step-by-step guidance to achieve remarkable credit improvements independently.
What's Included
Our DIY Credit Repair Program equips you with everything you need to take charge of your credit transformation
Complete DIY Package Includes:
- Full 3-Bureau Credit Report & Scores (sold separately $30/month)
- A Step-by-Step Action Plan tailored to your goals (with zoom recordings explaining the action plan)
- Customized Dispute Letters designed to help you take action (letters sold seperately)
IMPORTANT: This DIY Package Is NON-REFUNDABLE
IMPORTANT: Any Dispute Letter Purchased Are also NON-REFUNDABLE
Access Your Credit Reports
Get comprehensive access to all three of your credit reports and scores
Enroll Now on MyFreeScoreNow
This link provides access to all three of your credit reports and scores for $30/month. (Can cancel at anytime - No cancellation fee)
Note: This fee is paid directly to the company — not to me.
What You'll Receive
A comprehensive personalized action plan designed specifically for your credit goals
This program focuses strictly on your credit report. However, you'll also receive a personalized action plan based on your credit goals to help you improve your credit scores and strengthen your overall credit profile.
It's important to understand that your Credit Report, Credit Score, and Credit Profile are three separate things.
➡️ Credit repair alone does not automatically increase your score or strengthen your profile.
When you see clients on my social media go from a 300 to a 700 credit score, that's because they followed a strategic action plan—the same kind you'll receive here.
Your personalized plan will be built around your current situation and goals to help you move from Point A to Point B — all for just $50.
Customized Action Plan
Get your personalized credit strategy for just $50
Action Plan Service
$50
One-time payment - NON-REFUNDABLE
- Complete 3-bureau credit report review
- Customized strategy based on your goals
- Zoom recording explaining your plan
- Step-by-step action items
How It Works
To receive your personalized credit action plan, a one-time payment of $50 is required. Once the payment is completed, you will automatically receive an email containing a secure form.
This form must be filled out in full and will ask for your MyFreeScoreNow (MFSN) login credentials.
Your login information allows us to carefully review your entire 3-bureau credit report and create a customized action plan based on the specific goals you list in that form. This ensures your plan is accurate, goal-oriented, and fully tailored to your current credit profile.
Professional Dispute Letters
Access the exact dispute letters used for my clients - professionally crafted for maximum effectiveness
Please Note:
DIY means DO IT YOURSELF — you'll be responsible for sending and managing your own disputes.
If you'd like to use the exact dispute letters I create for my clients, they are available for purchase below ⬇️
Dispute Letter Pricing
Understanding Secondary Consumer Reporting Agencies
BEFORE STARTING YOUR DISPUTING PROCESS, it's important to understand the role of secondary consumer reporting agencies and why freezing them is a crucial first step
Why Freeze These Reports?
These agencies collect and share personal and financial information that can impact your ability to open bank accounts, secure loans, rent apartments, and more.
Freezing these reports helps prevent unauthorized data sharing or re-verification during your dispute process.
LexisNexis
A major data aggregator that stores detailed public and financial records such as bankruptcies, judgments, liens, and insurance claims. Many credit bureaus and financial institutions use LexisNexis to verify your identity and previous activity.
Freeze LexisNexisSageStream
Now owned by LexisNexis Risk Solutions. Collects consumer data used primarily by lenders for risk assessment and credit decisions. It can influence approvals for credit cards, loans, or other financial products.
Freeze SageStreamInnovis
Considered the "fourth credit bureau." Like Experian, Equifax, and TransUnion, it compiles your credit-related data, but it's used by fewer lenders. Some utilities, insurance companies, and cell phone providers rely on Innovis reports.
Freeze InnovisChexSystems
Collects information about your overall banking history, such as closed or overdrawn checking and savings accounts, unpaid fees, suspected fraudulent activity, or inquiries for every time you've attempted to open up a checking/savings account.
Freeze ChexSystemsCoreLogic Teletrack
Provides information about short-term loans, payday loans, rent payments, and subprime lending activity. Lenders use this data to assess financial risk for non-traditional credit products.
Freeze CoreLogic TeletrackEarly Warning Services
Used by major banks like Chase, Wells Fargo, Bank of America, and others. It tracks checking and savings account activity, including overdrafts, fraud reports, and negative banking history.
Call to Freeze:
CRITICAL REMINDER:
Once all freezes are complete, PLEASE SCREENSHOT & SAVE your confirmation numbers or emails for your records.
DO NOT LOSE THEM! DO NOT LOSE THEM! DO NOT LOSE THEM!
I'm telling you now DO NOT LOSE THEM!
✅ After all freezes are successfully set, you may now begin the disputing process with the letters you have purchased.
How Long Does The Process Take?
Understanding realistic expectations for your credit repair journey
The timeframe for credit repair varies from person to person, depending on the number and type of negative items on your report. From my personal experience using these same exact letters & methods….
Success Stories:
• The fastest deletion I've achieved was the removal of an eviction in just 14 days
• The quickest full clean-up I've completed was for a client who had 88 total negative items, all cleared within 45 days
That said, results like these are not typical and cannot be guaranteed—no one in this industry can honestly make such a promise. On average, credit repair takes 6 to 9 months, and in more severe cases, it can take up to a year.
Realistic Timeline
I believe in full transparency: credit repair takes as long as it needs to take. Anyone guaranteeing complete results in 30–60 days is not being realistic. If it were that simple, there wouldn't be multiple rounds of disputes involved.
Unfortunately, many companies overpromise and underdeliver, which gives credit specialists a bad reputation. My approach is different—I prefer honesty over hype. Results take time, but they do come.
Dispute Round Timeline:
• Each dispute round lasts about 45 days
• 30 Days for the creditors & credit reporting agencies to investigate & respond to you
• 15 days for duration time of sending back and forth dispute letters