CreditMaxxing · DIY Credit
TakeBackControl ofYourCredit
DIY Credit How to use DIY Credit
Your ultimate DIY credit repair tool
See all three credit reports in one place. DIY Credit flags information that may be inaccurate, outdated or unverifiable, prepares dispute letters for the items you choose, and helps you track each dispute through the process.
- $39.99/mo
- Cancel anytime
- No contracts
A self-serve tool. Results vary, and no specific outcome is guaranteed.
Sound familiar?
Credit frustration is loud. DIY Credit is a clear next step.
DIY Credit is a self-serve way to review all three bureau reports, flag items that may be inaccurate, outdated, or unverifiable, prepare letters, and track each dispute. You stay in control. Results vary; no outcome is guaranteed.
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“Why did my score drop after I paid that bill?”
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“Where did these collections even come from?”
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“Why can't I get approved for the apartment I want?”
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“I keep checking my reports and nothing makes sense.”
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“Hard inquiries keep stacking and I don't know which ones matter.”
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“I'm tired of guessing. I need a clear next step.”
Your credit file
What's showing up on your reports?
A score tells you something is weighing on your credit. The reports tell you what. Tap anything you recognize to see where your review would start.
This checklist is just for you. Nothing is saved or sent.
0 of 8 selected
Any of these is worth checking on all three reports. If something may be inaccurate, outdated or unverifiable, you have the right to dispute it.
How it works
Scan. Select. Track.
Four steps with DIY Credit, and you make every call along the way.
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Scan all three reports
Review your Equifax, Experian and TransUnion reports in one place. DIY Credit flags information that may be inaccurate, outdated or unverifiable, so you know where to look first.
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Select and submit
You choose which items to dispute. DIY Credit generates dispute letters for your selections, ready for you to review before they go out.
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Mail your disputes
Send the letters you approve. Postage for mailing may be purchased separately. You stay in charge of what goes out and when.
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Track every dispute
Follow each dispute from sent to response, keep an eye on your reports as bureaus reply, and decide what to do next.
Go deeper inside DIY Credit
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Three-bureau view
Equifax, Experian and TransUnion do not always show the same file. DIY Credit pulls the three reports into one workspace so you can compare items side by side before you decide what to challenge.
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Letter prep you control
For each item you select, DIY Credit prepares dispute letter drafts grounded in your report data. You review the wording, approve what goes out, and keep ownership of the process.
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Dispute tracking
Sent, waiting, and response status live in one tracker instead of a folder of screenshots. When a bureau replies, you can see what changed on the report and choose your next step.
DIY Credit is self-serve for $39.99/mo. Cancel anytime. No contracts. Results vary; no outcome is guaranteed.
You're in control, within the law.
The Fair Credit Reporting Act gives you the right to dispute information you believe is inaccurate or incomplete, and the bureaus generally have to investigate. It doesn't let anyone wipe away negative information that is accurate and current. DIY Credit helps you exercise your rights; it doesn't pretend otherwise.
DIY Credit toolkit
Advanced tools you can run yourself.
Self-serve AI assistance for scanning reports, preparing letters, and tracking disputes. You stay in control of every call. Results vary; no specific outcome is guaranteed.
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Scan all three reports
Pull Equifax, Experian, and TransUnion into one view so you can see what each bureau is showing.
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AI-assisted flags
DIY Credit highlights items that may be inaccurate, outdated or unverifiable so you can review them carefully. You decide what to dispute.
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Build dispute letters
Generate letters for the items you select. You review them before anything goes out.
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Track every dispute
Follow sent status and bureau responses in one dashboard instead of a pile of screenshots.
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3-bureau score view
Watch how each bureau reports your file over time while you work your disputes. Educational context only.
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Mobile and desktop
Run your review from phone or computer. Same workspace, same dispute history.
Google reviews
Real members. Real talk.
Five-star Google reviews for Credit Supreme Miami, the South Florida team behind DIY Credit. Tap any card to open it on Google.
Individual Google experiences with Credit Supreme Miami. Not a score promise. Results vary. Accurate, current negatives generally stay on a report.
See all reviewsOne workspace for the whole process.
Reports, flags, letters and tracking sit together, so you always know what you disputed, when, and where it stands.
- Report view
- All three bureaus side by side, with items that may need a closer look flagged.
- Dispute builder
- Pick the items you want to challenge and generate letters for them.
- Tracker
- See which disputes are prepared, sent or waiting on a response.
Straight answers.
Does DIY Credit guarantee results?
No. DIY Credit is a self-service tool. It doesn’t guarantee that any item will be removed, that your score will change, or that you’ll be approved for credit. Outcomes depend on your reports and on how the bureaus and data furnishers respond.
What is the 110% money-back guarantee?
It is a membership-fee promise under stated terms: keep an active paid membership for 6 continuous months and meet the eligibility rules, and you can claim a 110% refund of those membership fees. It is not a guarantee that disputes succeed or that items get deleted. See diycredit.ai/refunds for the full refund policy.
Can accurate negative information be removed?
Not simply by disputing it. Accurate, verifiable negative information can generally stay on a report for up to seven years, and some bankruptcies for up to ten. You have the right to dispute information you believe is inaccurate, incomplete, outdated or unverifiable, and that is what DIY Credit helps you do.
How long does the process take?
After a bureau receives a dispute, it generally has 30 days to investigate, and up to 45 days in some cases. Timelines vary, and some items take more than one round. The tracker helps you keep each one straight.
How are letters mailed? Is postage included?
DIY Credit prepares your dispute letters. Postage for mailing them isn’t part of the monthly price and may be purchased separately. Check the current mailing options when you enroll.
Can I cancel?
Yes. DIY Credit is $39.99 a month with no contract, and you can cancel anytime.
Take back control.
Start with your reports, decide what to dispute, and track it all in one place for $39.99 a month.
Backed by a 110% money-back guarantee on membership fees under stated terms. Not a promise that disputes succeed.