Terms of use

Educational self-help service

DIY Credit provides educational organization tools and customer-directed letter templates. It is not a law firm, lender, credit bureau, credit repair organization, financial advisor, or a substitute for advice from a qualified professional. Nothing here is legal or financial advice.

By creating an account you agree to these terms, our Privacy Policy, and our Disclosures. If you do not agree, do not use the service.

Who can use DIY Credit

You must be at least 18 years old and a resident of the United States. You may only prepare disputes about your own credit report. You may not use DIY Credit on behalf of another person, and you may not create an account for someone else.

Your account

Keep your password to yourself and tell us promptly if you believe someone else has used your account. You are responsible for what happens under your account. Give us accurate details: the name and address you enter are printed on the letters you send, and errors there can delay or invalidate a dispute.

Customer control and responsibility

You decide which information to question, provide the factual explanation, review every statement, add supporting documents, sign the letter, and choose whether and where to mail it. DIY Credit does not submit disputes or communicate with credit bureaus or furnishers on your behalf.

You agree not to use DIY Credit to dispute information you know is accurate, make a false identity-theft claim, impersonate another person, submit misleading documents, or attempt to build a new credit identity. Doing any of those can be a crime, and we may close your account.

You can do this yourself for free

You have the right to dispute inaccurate information on your credit report directly with each credit bureau and with the company that reported it, at no cost, without using DIY Credit or any other service. You can also obtain free copies of your credit reports at AnnualCreditReport.com. We are a convenience, not a requirement.

No guaranteed result

DIY Credit does not guarantee deletion of an account, an increase in a credit score, approval for credit, or any particular investigation result. Accurate and current negative information generally cannot be removed merely because it is negative, and nobody can lawfully promise otherwise.

Fees, SmartCredit®, and how we are paid

DIY Credit does not charge you for the workspace or the letter builder.

SmartCredit® is a separate credit monitoring membership provided independently by ConsumerDirect. It is not part of Credit Dudes LLC. It has its own price, optional purchases, terms, billing, and cancellation requirements, and it must be managed or canceled directly with them. SmartCredit® presents its full membership terms and pricing before taking any payment.

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 what you pay, and it does not change the fact that you can dispute report errors yourself for free.

AI-assisted drafting

Letter text is generated from the items and reasons you select. It is a starting draft, not legal writing, and it can be wrong. Read every letter before you print it, edit anything that does not match your situation, and do not send a letter you do not understand or believe to be true.

Your information

Secure account creation, sign-in, account-scoped workspace storage, separately encrypted identity details, customer-only ID-image storage, and approved SmartCredit® report access are enabled. Imported report results are review candidates, not findings that an item is inaccurate, and no item is ever selected for dispute automatically.

Authorized support administrators may access and update a saved workspace when needed to respond to a request, correct a technical issue, or protect the service. Those actions are logged. Administrators cannot view your password or SmartCredit® credentials, because DIY Credit does not store them. Our Privacy Policy explains what is kept and for how long.

Canceling and deleting

You can download or delete your saved workspace at any time, and replace or remove your ID image from Letter Details. Deleting your account removes your workspace, encrypted identity details, ID image, stored report data, and your record of agreeing to these terms. Deleting your DIY Credit account does not cancel a SmartCredit® membership — you must cancel that with ConsumerDirect separately, or you will keep being billed.

Service availability

The service is provided as it is, without warranties of any kind. We do not promise it will be uninterrupted, error-free, or available at any particular time. Third-party products and links are governed by their own terms, and report content, scores, pricing, and access may change without notice. DIY Credit is not responsible for a third party's service or decisions.

To the fullest extent the law allows, DIY Credit is not liable for indirect, incidental, or consequential damages, or for any credit decision made by a bureau, furnisher, lender, or landlord.

Changes to these terms

These terms carry a version, shown at the top of this page. If we make a change you should see, we update the version and ask you to agree again the next time you sign in. Your account keeps a record of which version you accepted and when. Continuing to use the service after a change means you accept the current version.

Who you are agreeing with

DIY Credit is operated by Credit Dudes LLC, a Utah limited liability company, trading as DIY Credit. In these terms, “we” and “DIY Credit” mean Credit Dudes LLC.

If something goes wrong

Most problems are quicker to fix than to argue about. Before starting any formal proceeding, please contact us and give us 30 days to try to resolve it. Use the Report a bug option inside your account or write to the address above, and tell us what happened and what you would like done.

If that does not resolve it, these terms are governed by the laws of the State of Utah, without regard to its conflict-of-law rules. You and we agree that any dispute will be brought in the state or federal courts located in Utah County, Utah, and we each consent to those courts. Either of us may still bring an individual claim in small claims court if it qualifies.

Nothing in these terms limits any right you have under the federal Fair Credit Reporting Act, the Credit Repair Organizations Act, or Utah consumer protection law. Where those laws conflict with anything here, they win.

Contact

Questions about these terms, your account, or your data can go to our support team through the Report a bug option in your account, by replying to any message you have received from us, or by writing to Credit Dudes LLC at the address above.