vs Traditional Credit Repair

FEES Traditional Credit Repair
Setup FEE $0 FOREVER Up to $399 (One Time Fee)
Monthly FEE $0 FOREVER Up to $199 (Monthly)
Credit Monitoring $29.95 MONTHLY $25-$40 (Monthly)
Average Monthly Cost $29.95 $250+

Easy to Get Started

Start Rebuilding Your Credit Today

Let’s be honest, you can do it yourself, well, if you absolutely love tedious, brain-boggling work. Said no one ever. We know you have better things to do, so that is why we created the Repair for Free credit automation. Our easy to use, simple to understand, technology is FREE. You only have to cover the cost for your credit reports.

Start Your Repair for Free Journey

Your enrollment is quick and easy! WIth a few clicks you will be enrolled and have your credit reports imported into the system.

Unique Dispute Letters

The system will analyze your credit reports, create custom dispute letters and even mail them for you within minutes.

You are Invited!

Once you accept your invite, you will have access to the credit building community where professional coaches will share with you tips, tricks and hacks to improve your credit quickly

Access Private Community & Coaching App

You will not have to do your credit repair journey alone! Once you sign up and import your credit reports, you will be invited to join our FREE inner circle to access credit building courses and have access to our coaches.

Access to Coaches

Get access to coaches who have literally used their credit to build real estate and business empires

Credit & Financial Courses

Finally understand how to optimize and leverage your credit with easy to follow credit & financial courses


Interact with the community and coaches in our community rooms

Credit Building Tools

Vetted list of positive accounts that will help you build a strong credit profile

Live Trainings

Live trainings & Q&As to get your burning credit questions answered

Share Your Success

Celebrate any deletions or credit score increases with your tribe

Why is it Free

We believe that better credit can solve bigger problems. We walk you through the process and help as long as you need us. The only thing we require you to pay for is a credit monitoring subscription. As we work towards your financial goals, we also recommend credit-building offers like credit cards and loans. If you choose any of these tailored offers, the providers compensate us.

How it Works?

Process to Getting Started

Yes, you got this! No more wasting your valuable time trying to decipher your credit reports or keep track of your reports and letters. We can manage it all for you and it’s free! Just purchase your credit reports through our partner credit monitoring provider!

Step 1. Get Started

It’s easy and only takes a few minutes. First, click the get started button, register, and authorize the technology to show you all your info. With our fully online enrollment process, there are no pesky sales calls!

Step 2. Credit Report

Next, continue to follow the steps to order a copy of your credit report. Once your report is ordered the Repair for Free system will analyze and identify your negatives.

Step 3. Select Items & Send Letters

Choose the items you want to dispute. The system will create your custom dispute letters and it will mail them for you!

Step 4. Build & Optimize Credit

Join the free coaching app to access credit building products (loans, credit cards, etc) that may meet your financial goals and expand your credit profile.

Step 5. Sit Back & Relax

When the credit bureaus receive your sent letters, they will conduct an investigation of the items you challenged.

Step 6. Results

Your results should arrive within 30 days or so. If your credit report still has errors, log back in and review your reports to see the next steps to getting the inaccuracies corrected.

Step 7. Repeat

If the errors are still on your credit report, you can apply more pressure with advanced disputing methods and utilize the systems follow up letters.

Get Started


When you sign up for our service, you must choose the items appearing on your credit report you feel are incorrect, unfair, or questionable. You then can contact your creditors to demand their removal or correction. If the creditors do not fix the mistakes, you can up the pressure and give new information as to why this item should be removed from your reports. Additionally, we provide recommendations of products such as low interest credit cards, personal loans as well as auto and home loans.
There is no cost for the platform and access to templates, this is a free service. This business model may seem bizarre because we do not charge anything for our service, but it is - we truly do not collect fees for our DIY credit repair service. Everyone should monitor his or her credit and in order to help you, we offer you the ability to keep an active credit monitoring account with our credit report partner MyScoreNow.com (Credit monitoring does have a cost to it and we cannot prevent them from collecting their fees and we do receive a referral fee). The purpose of the monitoring account is twofold. One, we need access to your credit in order to receive the credit information so you can begin working on your credit. And, two, it will allow them to monitor and inform you of any changes in your report as needed. The cost for credit monitoring is a small fraction of what you would pay a traditional credit repair company and it provides you with valuable insight and tools to keep an eye on your credit and improve it. While you are free to purchase a different 3rd party credit monitoring service, our platform has only been programmed to have the capability to automatically upload the details of credit reports and monitoring information via MyScoreNow.com.
Many customers receive results within 45 days. The overall process can take six months to a year or longer depending on many different factors.
Because it’s FREE! Even if you purchase the outside credit monitoring service to take full advantage of our free platform, you're saving much more than if you hired a third party credit repair company.
We do not delete anything from your credit reports. No one can predict that ANY item will be removed from your credit report and we don’t make any promises that you are able to get anything removed from your report. We can only give you the tools to best remove the items that are inaccurate, outdated or unverifiable. It is up to you to submit the forms you can prepare from our platform to your creditors and credit bureaus, they will determine whether matters need to be corrected or removed.
Nope. Let us be clear, we do not guarantee any specific score improvement, and we definitely cannot promise you will be approved for financing of any kind. No one can. However by sending your dispute letters to the creditors and credit bureaus yourself, you may be able to remove errors and by removing those errors, it generally can have a positive impact on your credit score; but lenders take more than just your credit into consideration such as income, employment and other factors. By correcting inaccurate items in your credit report you will likely have a better chance at securing favorable terms.
A credit report is a track record of both your personal and financial credit information. Which includes information taken from public records, personal identification and debt information.
A credit bureau - sometimes called a "consumer reporting agency" - is a business that collects relevant consumer information from creditors and courthouses, and then sells that information to interested parties such as potential lenders. Such information is sold in the form of a credit report. In the U.S., the three major credit bureaus are TransUnion, Experian, and Equifax.
If you are in the process of trying to get financing on a home, automobile, credit card, charge card or personal loan, any creditor who you are working with has the ability to pull your credit report, but only with your permission. This is called an inquiry. Employers may also review your credit file if you are applying for a job, especially if security clearance is a requirement.
The Fair Credit Reporting Act (FCRA) was written in 1970 as an amendment to the Consumer Credit Protection Act. The FCRA provides additional measures of consumer protection in the areas of fairness, accuracy, and privacy of the information collected by the credit bureaus. It also allows you to personally engage in credit repair and maintenance processes, verifying that the information in your credit report is correct.