The DIY Credit Repair Booklet

29-page step-by-step system — reports, dispute letters, state rules, goodwill templates.

• How to pull all three reports free (and read them like an underwriter)
• 5 copy-paste dispute letter templates (FCRA + FDCPA cited)
• Collections, charge-offs, and the re-aging trap explained
• Utilization moves that lift scores in 30 days
• A printable 90-day action calendar and dispute tracker
• State-by-state dispute rules and the exact agency to complain to
• 4 editable goodwill letter templates for late payments
• A credit-mix optimization plan with realistic point gains

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