CreditDIY is a credit repair software that helps you improve your credit score by repairing issues across all three major bureaus—TransUnion, Experian, and Equifax. It offers a step-by-step process for disputing errors and managing your credit independently. The platform provides tools and resources to guide you through the credit restoration process, with options for a one-time onboarding fee and monthly re-challenges for further improvement.
Features
Do It Yourself Credit Repair
Offers tools and resources to help you repair your own credit without hiring a professional service.
Negotiation to Positive
Allows users to negotiate terms with creditors to improve credit standings.
Keep Accounts
Helps maintain good standing of existing accounts to stabilize credit score.
Advanced Software Tools
Utilizes online tools to automate and facilitate the credit repair process.
Credit Repair Automation
The platform handles everything from disputing negative credit items to monitoring progress on behalf of the user, simplifying the credit repair process.
Credit Report Challenges
Challenges all three credit reporting agencies to dispute negative accounts and reverse them to positive status such as 'paid as agreed.'
Negative Account Reversal
Focuses on converting closed accounts appearing as repossessions and other negative statuses to positive ones.
Collections Removal
Fights to remove collections from credit reports, including evictions, medical, utilities, etc.
Public Records Examination
Examines public records for issues like bankruptcy, tax liens, and child support, offering a comprehensive analysis of personal reports.
Historical Report Analysis
Analyzes credit reports for data that might not be shown in recent consumer reports, going years back for a thorough examination.
Automated Credit Repair
Credit-DIY.com provides an AI-powered platform that automates the credit repair process, including disputing inaccurate information on your credit report.
Monthly Subscription Fee
A recurring monthly fee of $50 will be charged for continued use of the service until the credit repair process is completed or cancelled.
One-time Setup Fee
Upon signing up, users will be charged a one-time fee of $299.
Cancellation Policy
Users can cancel their subscription at any time by emailing support@credit-diy.com. Cancellations will take effect at the end of the current billing cycle, with no refunds for services already rendered.
Advanced Dispute Resolution
Automatically generates personalized dispute letters to resolve credit report issues.
Realtime Credit Recommendations
Provides actionable insights and improvements on credit scores.
No Maintenance Needed
Once set up, the system works autonomously to monitor and improve credit scores.
Automated Dispute Resolution
Uses automated processes to resolve credit disputes quickly, saving time by handling communication with creditors.
Credit Score Insights
Provides a breakdown of your credit score components and insights on how to improve each area.
Credit Monitoring
Monitors your credit across all three major bureaus (TransUnion, Experian, Equifax) and alerts you to any changes or issues.
Personalized Credit Building Strategies
Offers custom strategies based on your unique credit profile to help you build or repair your credit score.
Personalized Credit Building Strategies
Offers tailored plans to improve credit scores based on individual user needs.
Credit Education
Provides learning resources and guides to help users understand credit scores and credit management.
Advanced Dispute Navigation
Helps users to identify and file disputes with credit agencies regarding incorrect information.
Real-Time Credit Monitoring
Allows users to track changes in their credit scores and receive alerts for suspicious activity.
Smart Assistance
Provides automated support and personalized tips for better credit management.
Streamlined Dispute Resolution
Facilitates easier communication and dispute processes with credit bureaus.
Credit Score Improvement
Helps users improve their credit scores with a focus on removing inaccuracies and optimizing credit report factors.
Debt Deletion
Assists in removing inaccurate or unverifiable debts from credit reports.
Credit Score Tracking
Provides updates on credit score changes and the impact of credit repair efforts.
Finding Errors In Your Credit Report
Identify and challenge inaccuracies in your credit report to correct them, potentially improving your credit score.
Creating a DIY Credit Repair Plan
Develop a structured plan tailored to your financial situation to systematically address and improve credit issues.
Setting Goals For Credit Repair
Establish clear objectives for what you want to achieve in terms of credit improvement.
Creating A Step-By-Step Action Plan
Outline a detailed process for tackling credit issues over time, focusing on actionable steps and timelines.
Establishing A Budget For Debt Repayment
Develop a realistic budget that enables consistent debt repayment to improve credit standing.
Effective Debt Management Techniques
Utilize strategies like debt snowball or avalanche to pay off debts systematically.
Figuring Out Your Debt Priorities
Identify which debts to prioritize and focus on for faster credit improvement.
Negotiating With Creditors
Communicate effectively with creditors to possibly reduce interest rates or settle debts.
Cultivating Good Credit Habits Going Forward
Adopt consistent financial behaviors that support ongoing credit health, like timely payments.
Understanding The Impact Of New Credit Applications
Recognize how new credit inquiries can affect your score and plan applications carefully.
The Benefits Of Becoming An Authorized User
Gain access to a primary cardholder’s credit account to potentially benefit from their good credit practices.
Using Secured Credit Cards To Rebuild Your Score
Utilize secured credit cards responsibly to build or rebuild your credit score.
Maintaining An Optimal Credit Utilization Ratio
Keep credit utilization low to positively influence your credit score.
Monitoring Your Progress And Staying Motivated
Track credit improvements over time to stay engaged and motivated.
Utilizing Tools And Resources For Tracking Your Credit Score
Leverage available tools to regularly monitor changes in your credit score.