Forms from $1.99 · DIY tracking from $9.99/mo
Fix your credit on your own terms.
Pay $1.99 for a single dispute letter — or subscribe to our DIY tracking tool to upload your reports, surface every disputable item across all three bureaus, and generate FCRA-compliant letters yourself.
- ✓ No card required
- ✓ Cancel any time
- ✓ You stay in control
3-bureau coverage
Experian · Equifax · TransUnion
FCRA-compliant
Cite §611 + §623 + §623 automatically
DIY-friendly
You learn the process, not just outsource it
Cancel any time
No long-term contract on the subscription
Service 1 · Forms
Buy a single letter for $1.99.
One-off, no website use required — fillable PDF + plain text delivered to your email. Or grab the bundle for $24.99 (lifetime access).
Letter form templates
FCRA / FDCPA-grounded letter templates you fill in and send. Ideal when you have one or two specific items to handle without a subscription.
Or all 12 forms for $24.99 (lifetime access)
- ✓ Initial Dispute Letter (to Bureau)
- ✓ Debt Validation Letter (to Collector)
- ✓ Method of Verification Request
- ✓ Goodwill Letter (Late-Payment Removal)
- ✓ Pay-for-Delete Letter
- ✓ Cease and Desist Letter (to Collector)
- + 6 more → see the full catalog
Service 2 · DIY tracking subscription
Pick a tier. Cancel any time.
Upload your reports, automatically identify disputes across all three bureaus, generate FCRA-compliant letters, and track every response. Three tiers from $9.99/mo.
Starter
Entry-level DIY
$9.99/mo
Try the upload tool
- ✓ 1 report upload / month
- ✓ Auto dispute identification
- ✓ Letter generation (1 bureau / item)
- ✓ PDF export
Standard
Unlimited + 3-bureau letters
$19.99/mo
Most members pick this
- ✓ Unlimited reports
- ✓ 3-bureau letter generation
- ✓ Severity-ranked candidates
- ✓ Re-dispute templates
- ✓ Email support
Premium
Highest-touch DIY
$29.99/mo
For spouses + heavy disputes
- ✓ Everything in Standard
- ✓ Spouse credit upload (2nd linked profile)
- ✓ Priority dispute review
- ✓ Score tracker
- ✓ Live chat support
How it works
Four steps from report to result
- 1
Pull your reports
Free from annualcreditreport.com. We even ship a printable walkthrough form.
- 2
Surface what's disputable
Upload PDFs to the DIY tool — or read your report manually with our checklist.
- 3
Send FCRA-compliant letters
Generated by the tool, or fill in a $1.99 template. Both cite the right law.
- 4
Track responses + re-dispute
Bureaus must respond in 30 days. We track the clock and flag anything that needs follow-up.
Why us
Pay for what you need — not a managed service.
Comparison from each company's public pricing as of May 2026. We'll update if their pricing changes.
| Feature | creditrepair.space | Sky Blue Credit | Lexington Law | DIY |
|---|---|---|---|---|
| Single letter (one-off) | $1.99 | Subscribe only | Subscribe only | $0 (you write it) |
| Forms bundle (lifetime) | $24.99 | Not offered | Not offered | n/a |
| Monthly subscription | $9.99 – $29.99 | $79 – $179 | $89 – $139 | $0 |
| Disputes all 3 bureaus per item | ✓ | ✓ | ✓ | Manual |
| Auto dispute identification | ✓ | — | — | — |
| FCRA-compliant letter templates | ✓ | ✓ | ✓ | — |
| 30-day response tracking | ✓ | ✓ | ✓ | Manual |
| You keep full control | ✓ | — | — | ✓ |
We're new
Be one of our first members.
We launched in 2026 and we're building this carefully. No inflated stats, no fake testimonials. Tell us about your situation and we'll work with you directly.
FAQ
Common questions
- What's the difference between the forms and the subscription?
- Forms ($1.99 each, $24.99 for the full library) are one-off letter templates you fill in and mail yourself. The subscription ($9.99 – $29.99/mo) is the full DIY tool — uploads, automatic dispute identification, multi-bureau letter generation, and response tracking.
- Do you guarantee a specific score increase?
- No. We're software — we can't guarantee what the bureaus will do with a dispute. We can guarantee that the letters cite the right law and the tool tracks the FCRA timelines correctly. Outcomes depend on what's actually on your reports and how each bureau and furnisher responds.
- Can I do this myself for free?
- Absolutely. Every bureau accepts free disputes online. We exist for people who'd rather pay $1.99 for a well-written template, or use software to track everything across all three bureaus, instead of organizing it themselves.
- Are these forms specific to my state?
- The bureau letters use federal law (FCRA, FDCPA), so they work nationwide. Some states (CA, NY, others) have additional consumer-protection statutes; we cite federal-only and note when state-specific add-ons help.
- When does the subscription card get charged?
- On signup for the subscription, then monthly. There's no trial-to-paid conversion to surprise you, and you can cancel any time from your dashboard — access continues through the end of the period you've already paid for.
- Do I have to subscribe to use a single form?
- No. Single forms are $1.99 each (or $24.99 for the bundle), no account required beyond email for delivery. The subscription is for ongoing dispute work, not gating individual letters.
- How do I cancel a subscription?
- Three options, any of which is sufficient: (1) sign in and click "Manage billing" on your dashboard, then "Cancel plan" — instant; (2) email hello@creditrepair.space with subject "Cancel" — confirmed within one business day; (3) call (949) 771-5274. Cancellation stops future billing immediately; you keep access through the end of the period you have already paid for. If you cancel within 30 days of signing up and have not generated any letters, email us for a full refund.
Find out what's on your credit reports.
Take the 2-minute assessment. We'll estimate how many disputable items you have — before you spend a dollar.