The DIY Credit Handbook: fix your credit yourself

You have the right to dispute errors on your credit report yourself, for free. This 11-page handbook from our certified counselors walks you through it step by step.

• How to pull all three credit reports for free
• A line-by-line checklist for spotting errors
• Letter templates: bureau dispute, debt validation, and goodwill
• A tracker to keep every deadline straight
• How to build your score while you wait