Sign inFix your own credit report — private, and on your terms
A step-by-step toolkit to find and dispute errors on your credit report yourself — the same playbook credit-repair companies charge monthly for, for one payment of $27. Your information never leaves your device.
Get the Toolkit — $27Stop 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 CreditShield Toolkit 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 $27, once.
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.
Questions
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.
Get the CreditShield Toolkit — $27
One-time payment. Permanent access. Your data stays on your device.
- Guided Credit Audit + 11 dispute letter types
- Round, score, deadline & certified-mail tracking
- Private backup you can download anytime
All sales are final — no refunds. This is self-help software, not a credit repair service.
You'll create an account, then complete your $27 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.