Enroll.
Bring in your three-bureau reports.
DIYcreditDIY CREDIT + AI
Credit report errors?
Handle them yourself.
Enroll in SmartCredit® Credit Monitoring. Pick what's wrong. Let AI draft the letters.
DIY Credit is $0You approve every letter
YOUR NEXT MOVE1 of 3
Enroll in SmartCredit®
Credit Monitoring.
One secure enrollment. No manual uploads.
Enroll in SmartCredit®HOW IT WORKS
Three steps.
That's it.
Review.
Choose the information you believe is wrong.
Send.
Print, sign, and mail your AI-drafted letters.
AI-ASSISTED LETTERS
AI writes.
You decide.
Personal drafts for the items and bureaus you choose.
Create my workspaceTRANSUNION LETTERDraft ready
Acme Bank
I recently reviewed my credit report and found information on this account that I believe is inaccurate...
✓ Ready for your review
REPORT HISTORY
✓
3 items no longer reportedCompared with your previous report
SEE WHAT CHANGED
Track the
whole story.
Scores, reports, and completed letters—all in one place.
CUSTOMER STORIES
People like
doing it themselves.
Real customer experiences. Results vary.
★★★★★REVIEW
“The AI found the issues, drafted the letters, and made the whole process feel manageable.”
Sarah J.DIY Credit customer
★★★★★REVIEW
“It guided me step by step and created a specific letter for every account I chose.”
Marcus T.DIY Credit customer
★★★★★REVIEW
“So much better than a generic template. Each draft matched the situation I was reviewing.”
Emily C.DIY Credit customer
01 / 05
FAQ
Quick answers.
Is DIY Credit really free?+
Yes. Your DIY Credit account and letter tools cost $0. SmartCredit® is a separate credit monitoring membership provided independently by ConsumerDirect and must be managed or canceled separately.
Does AI send disputes for me?+
No. AI helps draft. You review, print, sign, and mail every letter.
What should I dispute?+
Only information you genuinely believe is inaccurate, incomplete, duplicated, or not yours.
Are results guaranteed?+
No. Credit-report changes and score changes depend on the facts of each case.