Sign inFix your own credit report — private, and on your terms
Everything you need to dispute errors on your credit report yourself — AI prompts that help you decide what to dispute, and software that helps you run the campaign. One payment of $47. Your information never leaves your device.
Get the Complete System — $47Stop paying monthly for something you can do yourself
Credit-repair companies often charge $79–$139 every month, for months — and you hand over control of the whole process. By law, they can't do anything you can't do yourself for free. You're paying for a process, not a secret.
You hold the pen. We hand you the playbook.
The Complete System walks you through reviewing your report, flagging items that may be worth disputing, and preparing the right letters — which you review and mail. Think "TurboTax for credit disputes," for $47, once.
Two tools. One system.
Credit AI Prompt Pack
Engineered prompts you run in your own ChatGPT or Claude. They help you analyze your report against federal consumer-protection laws and decide exactly what is worth disputing — no generic templates. Delivered in the CreditShield Academy on Skool within 24 hours of purchase.
CreditShield Toolkit software
Turn those decisions into action: generate any of 11 letter types filled with your facts, then track every round, 30-day deadline, score change, and certified mailing until you're done. Unlocked instantly.
Everything you need, in one place
Guided Credit Audit
Enter what's on your report and the toolkit flags items that may be worth reviewing — with a suggested dispute angle for each. You decide what to dispute.
11 dispute letter types
Bureau disputes, debt validation, goodwill, and more — auto-filled from your saved info, each with a plain-English “what this letter does” explainer.
Round & deadline tracking
Track every dispute, see a live 30/45-day countdown for each, and add calendar reminders so you never miss a bureau's response window.
Score & certified-mail logs
Log your scores over time on a simple chart, and keep a record of your certified mailings (your proof of delivery).
Education + myth-busting
Plain-English rights under the FCRA/FDCPA, plus the scams to avoid (CPNs, credit sweeps, “609” myths).
100% private & yours
Everything stays in your browser, on your device — never uploaded. Download a private backup anytime.
How it works
Pull your free reports
Get your reports from all three bureaus at AnnualCreditReport.com.
Audit & generate letters
Run the Credit Audit, pick what to dispute, and generate your letters.
Mail & track
Print and mail (certified), then track each deadline and repeat in rounds.
One payment. No subscription.
Already paid $27? Check which one you bought.
There are two separate $27 products and it's easy to mix them up.
Credit AI Prompt Pack
Prompts you run in your own ChatGPT or Claude. Bought and delivered inside the free CreditShield Academy on Skool — not here. Your receipt is from Skool.
Bought before August 2026? Your receipt shows the old names — DIY Credit Repair Academy and “Your Personal Credit AI — Prompt Toolkit.” Same product, same access.
Open it in Skool →CreditShield Toolkit
This browser software — the audit, 11 letter types, and trackers. Your receipt says Stripe or CreditShield. If you bought it and still see this page, sign in with the exact email on your receipt.
Sign in with that email →Signed in to Skool already? It's under Classroom. Use the same email that's on your receipt.
Still stuck? Email support@creditshield.app with your receipt and we'll unlock it for you.
Questions
What's in the $47 Complete System vs the $27 Toolkit?
The Complete System ($47) includes BOTH tools: the Credit AI Prompt Pack (prompts you run in your own ChatGPT or Claude to analyze your report and decide what to dispute — delivered in the CreditShield Academy on Skool within 24 hours) and the Toolkit software (letters + trackers, unlocked instantly). The Toolkit alone is $27. Bought separately they'd be $54, so the System saves you $7.
Is this a credit-repair company?
No. CreditShield Toolkit is self-help software you operate yourself. We are not a law firm or a credit repair organization and we don't provide legal advice.
Will it remove items or raise my score?
There are no guarantees. The toolkit helps you identify and dispute information you believe is inaccurate, incomplete, or unverifiable. Results vary.
Are there refunds?
All sales are final — it's a one-time digital purchase you can access immediately.
What do I need to use it?
Your free credit reports from AnnualCreditReport.com. That's it.
Is my data safe?
Yes — everything you enter stays in your browser, on your device, and is never uploaded to our servers.
One-time or subscription?
One-time $27 for permanent access. No monthly fees.
I already bought a $27 toolkit — why is this asking me to pay?
Check who sent the receipt. If it's from Skool, that's the Credit AI Prompt Pack — a separate product delivered in the CreditShield Academy on Skool, not on this site. Receipts from before August 2026 show the old names (“DIY Credit Repair Academy” and “Your Personal Credit AI — Prompt Toolkit”) — same product. Sign in to Skool with the email on that receipt and open it from the Classroom. If your receipt is for the CreditShield Toolkit (this software), sign in here with that exact email — or email support@creditshield.app with the receipt and we'll unlock it.
The Complete DIY Credit System — $47
Both tools. One-time payment. Permanent access. Your data stays on your device.
- Credit AI Prompt Pack — decide what to dispute (delivered in the Academy within 24h)
- Toolkit software — Guided Credit Audit + 11 dispute letter types (instant)
- Round, score, deadline & certified-mail tracking
- $47 for both — $7 less than buying them separately
All sales are final — no refunds. This is self-help software, not a credit repair service.
You'll create an account, then complete your purchase.
CreditShield Toolkit is self-help software. We are not a law firm, not a credit repair organization, and we do not provide legal advice. You prepare, review, and send all letters yourself. Disputing information you know to be accurate may violate federal law. Individual results vary; we make no guarantee any item will be removed. See our Terms and Privacy Policy.