--- title: "Fix-Your-Own-Credit Kit: Dispute Letters and Tracker | MCC" description: "Do it yourself for free: dispute letters to the bureaus and lenders, an Excel dispute tracker, a freeze checklist, a report worksheet and FTC scam warnings." url: "https://mcc-solutionsnj.com/toolkits/diy-credit-repair-kit" --- Document pack # Fix-Your-Own-Credit Kit: Dispute Letters, Dispute Tracker, Freeze Checklist and Report Review Worksheet The steps a credit repair company would charge for, done yourself through the free official channels. **$15** one time · 14-day full refund · Word and PDF · download link by email Buy now, $15 Free sample [También disponible en español](/toolkits/es-reparar-su-credito) 🌙 The desk is asleep. The store never is. Every kit and ebook downloads the moment you pay, day or night. Questions get answered after we open in the morning. [Browse the store](/toolkits) Who it is for Anyone who wants to check their credit reports, fix errors, freeze their credit or avoid paying a credit repair company. Not the right fit if You want accurate negative items removed: no one can promise that. Prefer someone to do disputes for you? This is do-it-yourself. Why it is different - Only free, official channels: AnnualCreditReport.com, the CFPB and the FTC. - No promises: accurate, current information stays on a report. - Word, PDF and an Excel tracker. What is inside - **Fix your own credit guide.** Free reports, disputes with the bureau and the business that reported the item, freezes and fraud alerts, goodwill requests, and the FTC's credit repair scam warning signs and the Credit Repair Organizations Act. - **Dispute letter templates.** To a credit bureau, to the business that reported the item, a goodwill request and a follow-up. - **Freeze and fraud alert checklist.** Place, lift and track freezes at all three bureaus, and set a fraud alert. - **Report review worksheet.** Go through each report line by line and mark what to dispute. - **Dispute tracker (Excel).** Every dispute, the 30-day mark, the answer and what's next. A look inside ## The first pages, as you will get them [![Page 1 of the Fix Your Own Credit Guide (Fix-Your-Own-Credit Kit: Free Reports, Disputes and Freezes)](/img/toolkits/diy-credit-repair-kit/doc-1.webp)](/img/toolkits/diy-credit-repair-kit/doc-1.webp) First page of Fix Your Own Credit Guide [![Page 1 of the Dispute Letter Templates (Fix-Your-Own-Credit Kit: Free Reports, Disputes and Freezes)](/img/toolkits/diy-credit-repair-kit/doc-2.webp)](/img/toolkits/diy-credit-repair-kit/doc-2.webp) First page of Dispute Letter Templates Get it ## Fix-Your-Own-Credit Kit: Free Reports, Disputes and Freezes Or pay with PayPal Uses the email and terms box above. You get the same download link by email. ZIP code (for sales tax) Want every toolkit? The [toolkit membership](/membership) includes all of them, with a lower rate if you pay yearly. Get every update for a year, $29: the [Yearly Updates Pass](/updates-pass?kit=diy-credit-repair-kit) gives you each refreshed edition we release of the kits you own. One payment, no automatic renewal. Delivered as a zip of editable Word files and printable PDFs. For one business, your own use. General information and templates, not legal, tax or accounting advice. General information and templates, not legal or credit advice. No one can promise to remove accurate information or raise a score; the credit bureaus and the businesses that report decide disputes. Not affiliated with AnnualCreditReport.com, any credit bureau, the CFPB or the FTC. Payment is handled by Stripe. If a file will not open or something looks wrong, reply to your order email and we will make it right. Ways to get it ## Just this kit, or more This kit **$15 one time** Fix-Your-Own-Credit Kit. Buy this kit The set **$29 one time** 6 kits including this one, $40 less than buying them separately. [See the set](/toolkits/tough-times-toolkit) Membership **$29 a month** Every kit and document pack in the store, including new ones. Cancel any time. [See the membership](/membership) Questions ## Common questions **What do I get and how is it delivered?** The Fix-Your-Own-Credit Kit comes as a zip with four documents, each as an editable Word file and a printable PDF: Fix Your Own Credit Guide, Dispute Letter Templates, Freeze And Fraud Alert Checklist, and Report Review Worksheet, plus an Excel workbook (Dispute Tracker). The download link arrives by email after payment. **Will it open on a Mac, Google Sheets or my phone?** The PDFs open in any PDF reader, and the Word files edit in Word, Google Docs or LibreOffice. The workbook is built for Excel and tested in LibreOffice; it should open in Google Sheets, but not every feature is tested there. If a file will not open or something looks wrong, reply to your order email and we will make it right. If it is not right for you, email us within 14 days of buying for a full refund. **Is this legal or tax advice?** General information and templates, not legal or credit advice. No one can promise to remove accurate information or raise a score; the credit bureaus and the businesses that report decide disputes. **Is it the right fit for me?** It is made for anyone who wants to check their credit reports, fix errors, freeze their credit or avoid paying a credit repair company. Skip it if you want accurate negative items removed: no one can promise that. Free sample ### Try one page first Get a real page or file from this product by email. We send one confirmation email, and no series follows. Buy it with the others [Bundle ### Tough Times Toolkit This product plus 5 more, in one download. $29 instead of $69 separately](/toolkits/tough-times-toolkit)[### Month-End Close Workbook A real month-end close in one Excel file. It tells you when a rec does not tie, which variances still need an answer, and when the period is ready to lock. $19](/toolkits/month-end-close-workbook) ## More bookkeeping and business toolkits - [Florida Employer Compliance Kit 2027](/toolkits/florida-employer-compliance-kit-2027) $19 - [Florida Landlord Compliance Kit](/toolkits/florida-landlord-compliance-kit) $19 - [Florida Small Claims Court Kit](/toolkits/florida-small-claims-court-kit) $19 - [Florida Unemployment Checklist](/toolkits/florida-unemployment-checklist) $15 - [Freelance / LLC Operations Hub (Notion-Ready Files)](/toolkits/freelance-llc-operations-hub) $39 - [Freelancer Income Tracker](/toolkits/freelancer-income-tracker) $19 [See every toolkit and document pack](/toolkits/all) ## Rather have someone do the books? [Get a Bookkeeping Quote](/bookkeeping/#interest)[Call (908) 444-6373](tel:+19084446373)