A complete, step-by-step system for raising your credit score — with a 90-day action plan, 5 ready-to-use dispute letter templates, and a monthly tracking worksheet. No credit repair company needed.
What's included
The Credit Repair Action Kit is organized into three parts, each designed to be used at a specific stage of your credit repair journey.
A week-by-week roadmap covering exactly what to do and when — from pulling your credit reports to disputing errors to attacking your utilization.
Five ready-to-customize letters covering every common credit dispute scenario. Just fill in the brackets and mail.
A 12-month tracking system to measure your progress and stay accountable. Includes per-card utilization tracking and a negative item removal log.
Most credit advice online covers the basics. This kit goes deeper — into the mechanics that actually move your score.
Your credit report shows your balance on your statement closing date, not the day you pay. If you pay in full but your statement closes with a high balance, your score still takes a hit. Paying before the closing date — not the due date — can add 20–50 points in 30 days.
When a dispute comes back "verified," most people give up. But verification often just means the creditor confirmed the item without reviewing your documentation. You have legal options — including CFPB complaints and FCRA lawsuits — that this kit explains.
Everyone says keep utilization below 30%. The real target is below 10% per card — and keeping at least one card at 1% (not 0%) is better than keeping it at zero. This distinction is rarely explained.
Paying a collection account does not remove it from your report — it just changes the status. The kit explains how to negotiate a pay-for-delete agreement before paying, and what to do if the collector refuses.
These are not generic templates you can find anywhere. Each one is written to invoke specific legal protections under the FCRA and FDCPA, and includes the exact language that gets results.
For disputing any inaccurate information — wrong account status, incorrect balance, accounts that don't belong to you. Cites FCRA 15 U.S.C. § 1681i and requests written confirmation of investigation results.
Send this to collection agencies before paying or acknowledging any debt. Under the FDCPA, they must cease collection activity until they prove the debt is valid and that they have the legal right to collect it.
For removing isolated late payments from an otherwise clean account. Written to appeal to the creditor's relationship with you, not to dispute accuracy — which makes it more likely to succeed.
Offers payment in exchange for complete deletion of the account from all three bureaus. Includes the exact language that makes this a binding agreement — and reminds you never to pay without written confirmation first.
Collectors sometimes reset the "date of first delinquency" to extend how long a debt can appear on your report. This letter cites the specific FCRA provision that makes this illegal and demands immediate removal.
Utilization changes are typically reflected within 30–45 days of your creditor reporting your new balance. Dispute results take up to 30 days per bureau. Late payments and collections take longer — but the 90-day plan is designed to show measurable progress within the first month.
No. Everything in this kit is something you can do yourself for free. Credit repair companies charge $50–150/month to do exactly what these templates and action plan walk you through. The only thing they can do that you cannot is save you time — but they cannot do anything legally that you cannot do yourself.
The kit is a professionally formatted PDF, optimized for both screen reading and printing. It is 11 pages and includes fillable tracking sections. You will receive an instant download link after purchase via Gumroad.
No. This kit is for educational purposes only and does not constitute legal or financial advice. The dispute letter templates cite real federal law (FCRA and FDCPA), but for complex situations — particularly identity theft or lawsuits — you should consult a consumer law attorney.
Everything you need to raise your score — in one organized, professional kit.
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Educational Use Only: This kit is for educational and informational purposes only. It does not constitute legal or financial advice. WiseIQ is not a credit repair organization as defined under the Credit Repair Organizations Act. You have the right to dispute inaccurate information on your credit report for free without purchasing any product or service.