DIY credit repair
Do it yourself with CreditScoreIQ, the DIY credit tool we recommend. It pulls your three-bureau reports, flags what to look at, writes your dispute letters and tracks the responses, on your own time.
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How it works
See all three reports
Your scores and reports from Experian, Equifax and TransUnion in one place, with a goal to work toward.
Review what is flagged
CreditScoreIQ points out the items that may be hurting your score, so you know where to look first.
Send your disputes
The Dispute Hub writes a dispute letter for each bureau for the items you choose to challenge.
Track your progress
Keep every letter and every bureau response in one place, and follow up on anything that is not fixed.
Start your DIY credit repair
CreditScoreIQ is a separate company (IDIQ) with its own pricing and terms. Moodie Bluez may earn a commission if you sign up through our link, at no extra cost to you.
Rather have it handled for you? Book a free consultation.
DIY questions
Can I really repair my own credit?
Yes. You have the legal right to dispute errors on your own credit report. What you trade is your time and the learning curve. CreditScoreIQ shortens that curve: your reports, your dispute letters and your tracking in one place, so you are not starting from a blank page.
What is a 609 letter?
It refers to Section 609 of the Fair Credit Reporting Act, which gives you the right to request the information in your credit file. It is not a loophole for deleting accurate items. A good dispute letter is specific about what is wrong and why.
What is CreditScoreIQ?
An online credit tool from IDIQ, a separate company. It shows your scores and reports from all three bureaus, flags items worth a closer look, writes a dispute letter for each bureau and tracks the responses. It is a monthly subscription with its own pricing and terms. Moodie Bluez may earn a commission if you sign up through our link.
What if I get stuck?
Reach out. A lot of people start with CreditScoreIQ and bring us in for the hard parts, like a mixed file or identity theft. Our done-for-you credit repair is a separate service with its own written contract.