Understand your reports
Plain-language credit basics and examples help you spot details to check.
Free DIY credit repair eBook
Repair your own credit with help from AI. Start with the free guide.
Tools, strategies, ready-to-copy AI prompts, and sample letters—all in one guide. Understand your reports, question possible errors, and organize your next steps at your own pace.
Credit monitoring for less than $1 a day. The eBook is free.
The eBook is free. “Less than $1 a day” refers only to SmartCredit monitoring: $29.98 per month divided by 30 days. Billing is monthly, not daily; it starts with a $1 seven-day trial and renews until canceled. Mailing, paid AI plans, optional tools, and CRS services cost extra. Check current prices.
Inside your free guide
Learn it. Try it. Keep track of it.
Use AI with a clear starting point
Beginner and advanced prompts help you ask focused questions. Review AI answers and protect personal information.
Prepare your own letters
Adapt sample letters to real facts in your reports. Check every statement before sending.
Follow a practical plan
Use the tracking sheet, checklists, and 90-day activity plan to organize reports, letters, and responses. This is a planning tool, not a promised result date.
38-page PDF by Marco A. Mercado Jr. No CRS enrollment is needed to download it. Currently available in English.
You can dispute inaccurate information directly for free. This educational guide does not guarantee deletions, score changes, approvals, or results.