DIY credit repair, without the agency markup.

creditrepair.space launched in 2026 as a software-only alternative to managed credit-repair agencies. Where Lexington Law and Sky Blue charge $79–$179/month for credit-repair specialists who hand-mark disputes and write letters per client, we built the same workflow into software you can run yourself.

Two ways to use us: pay $1.99for a single letter template when that's all you need ($24.99 for the full bundle), or subscribe to the DIY tracking tool ($9.99 / $19.99 / $29.99 per month) to upload your reports, automatically surface dispute candidates across all three bureaus, generate FCRA-compliant letters, and track the 30-day response window.

We don't guarantee outcomes — no software can predict what a credit bureau or furnisher will do with a dispute, and we never promise that any item will be removed or that your score will move by a specific amount. What we do guarantee is that our letters cite the correct law, our identification engine ranks items by FCRA-actionable severity, and you keep full control of what gets sent and when.

What we're building

• A complete library of FCRA / FDCPA-grounded letter templates — currently 12, growing.
• Automated dispute identification across Experian, Equifax, and TransUnion from any uploaded credit-report PDF.
• Multi-bureau letter generation with your account identifiers auto-filled and the right legal citation per dispute reason.
• Response tracking with reminders when the FCRA 30-day clock expires.
• Re-dispute templates for items bureaus claim to verify without substantiation.

What we're not

We're not a credit-repair organization in the sense of CROA — we don't take action on your behalf. We provide tools and templates; you decide which disputes to send, you mail them, you handle the responses. That distinction matters: it's why our pricing can be a fraction of managed services.

Get in touch

We read every email. Reach out at /contact or call (949) 771-5274.