Clear, upfront information
Service disclosures
DIY Credit is free to customers. This page explains the separate SmartCredit® membership and the limits of the DIY Credit service.
SmartCredit® membership
SmartCredit® is a separate credit monitoring membership provided independently by ConsumerDirect. It is not part of Credit Dudes LLC and must be managed or canceled separately. Customers should review its pricing, recurring billing, optional purchases, terms, privacy policy, and cancellation process before enrolling.
No payment to DIY Credit
DIY Credit does not request a card, sell letter packages, or charge customers for preparing or printing letters. Customers pay their own printing, postage, monitoring, and third-party service costs.
How DIY Credit is paid
DIY Credit may receive compensation from ConsumerDirect when a customer enrolls in SmartCredit® through our service. That is how the free tools are funded. It does not change the price a customer pays, and it does not change a customer's right to dispute credit report errors themselves, for free, directly with each bureau.
No promise to remove accurate information
Negative information is not necessarily inaccurate. DIY Credit is designed to help a customer describe a specific error or incomplete item—not to mass-dispute every negative account. No result or score increase is promised.
AI-assisted drafting requires your review
AI-assisted features organize the report fields, bureau, and dispute reason a customer selects into a suggested first draft. They do not determine whether information is inaccurate, replace professional advice, or guarantee that a letter is complete or successful. Customers must verify every fact and approve every statement.
Customer sends every letter
DIY Credit prepares a draft for the customer to review. The customer chooses whether to print, sign, attach records, and mail it. Nothing is automatically submitted to a bureau, furnisher, regulator, or complaint portal.
Free official resources
Consumers can obtain credit reports and dispute errors without hiring or paying a third party. Visit AnnualCreditReport.com, the federally authorized source for free credit reports, and review the CFPB’s dispute guidance.