Fix Your Credit Yourself: Dispute errors, beat collectors, raise your score

The Legal DIY Guide to Disputing Errors, Handling Collectors and Raising Your Score, With Copy-Ready Letters and a 90-Day Plan

Credit repair companies charge monthly fees to mail letters you have every legal right to send yourself, for free. This book shows you exactly how, using the same federal laws they rely on, with no gimmicks and no false promises.

You will pull all three credit reports free, then audit them line by line with a five-pass checklist that finds wrong balances, re-aged collections, duplicate debts, mixed files and identity theft. Then you dispute every error under the Fair Credit Reporting Act with nine copy-ready letters: bureau disputes, direct furnisher disputes, identity theft blocks, method-of-verification requests, bankruptcy corrections and more, plus an escalation ladder for when a bureau says "verified."

You will also learn how to make collectors prove a debt under the FDCPA and Regulation F, when pay-for-delete is realistic and how to get it in writing, how to write goodwill letters that have a real chance, and where medical debt stands after the CFPB rule was vacated in 2025, including what the three bureaus still remove on their own.

The second half is about building: secured cards, credit-builder loans, authorized-user accounts, utilization timing that can move your score in one billing cycle, smart rate shopping and rapid rescoring before a mortgage. A full chapter shows how to spot credit repair scams and use the Credit Repair Organizations Act against them.

It ends with a week-by-week 90-day plan and four worksheets, plus a list of official sources to check, because credit rules keep changing. Updated for October 2026. Educational only, not legal or financial advice.

What you get:

• Nine copy-ready dispute letters built on specific FCRA sections
• A five-pass audit checklist to find every error on all three reports
• Debt validation letter and your rights under the FDCPA and Regulation F
• Medical debt after the 2025 court ruling: what bureaus still remove
• Goodwill and pay-for-delete letters, with honest odds
• Utilization timing and rapid rescoring explained with worked examples
• How to spot credit repair scams and use the CROA
• A week-by-week 90-day plan with four worksheets

Instant download: PDF ebook (6x9 in), readable on any phone, tablet or computer. Educational content; rules change, so check the official sources listed in the book.