Connect your required credit monitoring, choose your monthly plan, and send dispute packets with AI-powered guidance and built-in mailing.
This platform requires an active credit monitoring account through MyFreeScoreIQ at $24.95/month, billed separately. This charge is not included in your software subscription.
Best for people starting their first dispute round.
Required: Active MyFreeScoreIQ membership at $24.95/month, billed separately. Included packets: Based on your selected software plan. Not charged per dispute item.
Best for customers actively working multiple rounds.
Required: Active MyFreeScoreIQ membership at $24.95/month, billed separately. Included packets: Based on your selected software plan. Not charged per dispute item.
Best for customers who want the highest monthly capacity.
Required: Active MyFreeScoreIQ membership at $24.95/month, billed separately. Included packets: Based on your selected software plan. Not charged per dispute item.
A packet is one dispute submission round for the billing period.
Each packet can include:
You are not charged per item.
If you challenge many items in one round, they are grouped into your packet submission for that cycle.
Packet usage is based on one dispute round submitted through the platform. The number of letters generated may vary depending on the bureaus involved and the contents of your report.
A packet is one dispute submission round. It may include multiple challenged items and may generate one or more bureau letters depending on which bureaus are involved.
No. Multiple disputed items are grouped into one packet submission round. You are charged per packet, not per tradeline.
MyFreeScoreIQ provides your 3-bureau credit report and monitoring. It is a separate service billed at $24.95/month directly by MyFreeScoreIQ, not by us.
Yes. An active MyFreeScoreIQ membership is required so the platform can analyze your credit report data.
Extra packets after your monthly included amount are $19.95 each. You'll see the charge clearly before confirming.
Yes. A packet groups all your selected items for that dispute round. Multiple accounts, multiple reasons, multiple bureau letters — all in one packet.
Yes. The platform generates bureau-specific certified mail letters as part of each packet. The number of letters depends on which bureaus are involved.
MyDIY Credit Repair is a software platform that helps users organize, prepare, and track dispute activity. We do not guarantee any specific credit score increase or deletion outcome.
MyFreeScoreIQ membership is required for report access and monitoring and is billed separately at $24.95/month. This charge is not included in your MyDIY Credit Repair subscription.
Included packet limits apply per billing cycle. A packet is one dispute submission round and may include multiple challenged items and one or more bureau letters depending on the report contents.
Results vary based on bureau responses, furnisher investigations, documentation, and report history.