The Complete DIY Credit System is your dispute command center — AI prompts that help you decide what to dispute, plus self-help software that builds accurate FCRA and FDCPA letters and tracks every dispute round, deadline, score, and certified-mail receipt, so nothing slips through the cracks. Everything stays on your own device. You prepare and send it all yourself — one time, $47, no subscription.
One-time $47 · No subscription · Self-help — you prepare and send everything yourself. Software alone: $27.
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Three steps from your situation to a letter you can mail today
Choose the letter you need — dispute an inaccurate item (FCRA §611), validate a debt (FDCPA), request a goodwill removal, pay-for-delete, and more. Plain-language guidance explains when to use each.
Enter the account and your reason in your own words. For disputes, you confirm in good faith that the item is inaccurate, incomplete, or unverifiable — so you stay on the right side of the law.
Download a clean, accurate letter as a PDF and mail it yourself (ideally certified mail). Track every dispute round, your scores, and your mailings — all stored privately on your own device.
Self-help tools built around the actual statutes — not the myths credit-repair mills sell
FCRA §611 & §623 disputes, debt validation, goodwill, pay-for-delete, cease & desist, obsolete-item, and more — each written to the actual statute, not the myths credit-repair mills sell.
You enter your own facts and send everything yourself. CreditShield is software you operate — not a service that takes over your file or charges you every month.
Everything you enter lives in your browser. Export a private backup file anytime. Nothing about your credit is stored on our servers.
Before any dispute letter, you confirm a good-faith belief that the item is inaccurate or unverifiable — keeping your disputes honest and lawful.
Log every dispute round and follow-up, and chart your scores across all three bureaus over time — in one place.
All three bureau addresses plus a mailing log, so you can prove exactly what you sent and when.
Why self-help software beats paying a credit repair company every month
Grab the free Credit Dispute Starter Guide — a plain-English walkthrough of how to read your credit report and identify items worth disputing.
Delivered to your inbox instantly.
I'm Leny Pearson — U.S. Army, 1989 to 1999. I'm a disabled combat veteran, and I'm not ashamed to say it.
Years after I left the Army, an injury put me into surgery and out of work for ten months. The disability insurance I'd been paying for through work covered 60% of my paycheck. Then the restaurant I worked at closed, the 2008 economy collapsed, and I fell behind on every bill I had. I was advised to file bankruptcy. Instead, I worked things out with my creditors — one by one — and dug myself out of the hole.
When I finally looked up, the fight still wasn't over. My credit report was carrying information that was flat-out wrong. So I started a second fight: against collection agencies, and against scam companies claiming I owed money I never owed.
Nobody rescued me. I learned the rules, put everything in writing, and did the work myself. That's exactly what CreditShield hands you — the honest way to do it, with no monthly fees and no false promises.
— Leny Pearson · Founder, CreditShield · U.S. Army '89–'99
One-time purchase. Lifetime access. Your information stays on your own device — always.
All sales are final — digital product. No refunds.
CreditShield is self-help software. We cannot guarantee how bureaus or creditors respond. Results depend entirely on the facts of your situation and the actions you take.
One-time $27 · No subscription · No refunds (digital product)
Both tools — decide what to dispute, then run the whole campaign. One time, no subscription.
The average credit report contains 5 errors. Each one could be costing you in higher interest rates. CreditShield gives you the tools to identify them, write an accurate dispute letter, and send it yourself — one time, $27, no subscription.
One-time $47. No subscription. Your data stays on your device.