Free credit guides
Plain-English explanations with sample letters you can adapt. Start with the one that matches what's on your report.
The 609 letter: what it can and can't do
How to request your full credit file, why it doesn't delete anything on its own, and what to do when a bureau says an item is "verified."
Read the guide CollectionsPay-for-delete letters that hold up
How to negotiate a deletion in writing before you pay, why deletion beats "paid," and a sample offer with an agreement block.
Read the guide Late paymentsGoodwill letters for late payments
When creditors say yes, who to send it to, and an honest sample letter you can adapt.
Read the guideFree tools
They run in your browser. Nothing you enter is sent anywhere.
Dispute deadline calculator
When a bureau or creditor has to answer, when to escalate, and a calendar reminder.
Open the tool All 50 statesDebt age and statute of limitations
When a debt falls off your report, and how long a collector can sue in your state.
Open the tool Chapter 1290-day tracker
The book's week-by-week plan as a checklist that saves your progress.
Open the tracker
Want the whole route?
This guide covers one letter. The Complete Credit Repair Map covers all of them, in order, with a 90-day plan. Chapter 1 is free.