Fix Your Credit Step by Step — No Monthly Fees

Upload your credit report, get a personalized analysis, and pay only for the dispute letters you need. Each step is billed separately — you are never locked into a monthly subscription.

SIMULATOR — Illustration only

Simulator only — educational illustration. Not your score, not a prediction. No outcome promised or guaranteed. Your real result depends on the bureaus and creditors deciding each dispute on its merits.

Start Step 1 — $39.99

No monthly fees. Pay only for each step you need.

No middlemen. No expensive company doing it for you. No monthly fees. Traditional credit-repair services charge $50–$150 every month for work you can do yourself. Here, you follow the steps yourself with personalized letters and clear mailing instructions — so it costs a fraction of those services.

DIY by design: you upload, you mail, you track — we generate the personalized letters and tell you exactly where to send them.
No subscriptions: every step is billed once, separately. Stop anytime; nothing renews.
No middleman markup: there is no agency taking a cut between you and the bureaus. You deal with them directly.

How it works

Step 1 — Upload your report ($39.99, one-time). Securely upload your credit report. You pay once for the upload and a full personalized analysis of every negative item.
Step 2 — Review your analysis. See exactly which items can be disputed and which letter each one needs.
Step 3 — Pay per letter. First letter for any item/dispute: $79. Follow-up letters recommended from a bureau/creditor response while your case is already in process: $49. Each letter is billed separately — only pay for the letters your case actually needs. You will be asked to pay again for each new letter. No surprises.
Step 4 — Download & mail. Download your letter with instructions on where and how to mail it, based on your report. Upload the bureau's response to keep your case moving.

Transparent pricing

WHY SO AFFORDABLE? BECAUSE YOU DO THE MAILING

Traditional credit repair companies charge $50–150 every month because they do everything for you. Here it's different — and that's exactly why it costs a fraction:

WE give you the expert material: professional analysis of your report and attorney-grade dispute letters, personalized for your case.
YOU print and mail the letters (certified mail, ~$7–8 at the post office). It's simple — we show you exactly where to send each letter, step by step.
No monthly fees, no middlemen, no inflated prices. You pay only for the analysis and the letters you actually use.

Same legal process. A fraction of the price.

Step 1: Report Analysis

$39.99 one-time

Upload your credit report + full personalized analysis of negative items and recommended next steps.

Step 2: New Dispute Letter

$79 per letter

Each personalized letter (debt validation, direct dispute, or goodwill) generated for your case, with mailing instructions.

Step 2+: Follow-up Letter

$49 per letter

Discounted price for follow-up letters recommended from a bureau/creditor response while your case is already in process.

Each step is billed separately, and every letter is paid — there are no free letters. Traditional credit-repair companies charge $50–$150 per month for months. Here there are zero monthly fees — you only pay for the steps you choose.

What does bad credit cost vs. DIY?

Traditional services charge $50–$150 every month for months. Move the slider to estimate what your case could cost with CredEliteFix — analysis once + only the letters you need.

Letters your case might need: 3

CredEliteFix estimate: $276.99

Traditional service (6 months at ~$100/mo): $600.00

Difference: $323.01

Estimate only. You only pay for letters your case actually needs. No results guaranteed.

100% legal, always

We only use your legal rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA) to dispute inaccurate or unverifiable items.
Illegal practices are never used or condoned: no false disputes, no CPNs, no "new identities", no disputing accurate information you simply dislike.
This is an educational DIY service — not a law firm, and nothing here is legal advice.
No guaranteed results. No one can promise a specific score increase; bureaus and creditors decide each dispute on its merits.

FAQ

Is this legal?: Yes. Disputing inaccurate information on your credit report is your right under federal law (FCRA/FDCPA). We never use illegal tactics.
Why do I pay per step instead of monthly?: So you only pay for what your case needs. Monthly services bill you whether or not anything happens that month.
What if the bureau doesn't respond?: Upload their response (or lack of one) to your dashboard and we will recommend the next step for your case.
How long does it take?: Bureaus generally have 30 days to investigate a dispute. Most cases take several rounds over a few months.
What do I do with my letter?: Each letter downloads with instructions: where to mail it and to keep copies plus proof of mailing.

Ready to start?

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