From: You
Your kitchen table
Anywhere in the United States
Credit report errors? Dispute them yourself.
Upload your report. Review what the Kit found. Click the ones you want to dispute. Print your letters. Mail them.
Everything the Kit does for you
Here is exactly what you get each round, from reading your report to keeping the record of what you mailed.
1 stamp
1 stamp
1 stamp
| Equifax | 2 accounts | Mailed Oct 30 |
| Experian | 2 accounts | Mailed Oct 30 |
| TransUnion | 1 account | Mailed Oct 30 |
Reads your whole report
Upload the IdentityIQ report you already pulled. The Kit reads all three bureaus for you, account by account.
Shows you what looks wrong
Every account that looks inaccurate, incomplete or unverifiable, with a plain reason next to it.
- You decide: check the ones you want, or select all.
- Only your own report: you confirm it before any letter is built.
Builds your letters
One dispute letter for each bureau, listing every account you picked, ready to print.
- Bureau mailing addresses filled in for you.
- Your ID and a bill with your address print right in. Those photos stay on your phone or computer.
- Your Social Security number and birth date are filled in on your screen only. We never store them.
- A READ ME FIRST sheet, sign here lines, and how many stamps each envelope needs.
- No printer? Save it as a PDF and print at a library or office store.
Keeps your record
Tap the day you mailed it. My Disputes shows what you sent, to which bureau, and when.
- Got a letter back asking for more proof? One button reprints that bureau's package with a short new cover letter.
- Next round, upload your new report and the Kit shows what changed since the last one.
- Email reminders when it is time to watch the mail and when to pull your next report.
Five steps. Then mailed it.
Most people never dispute an error because they don't know where to start, and the letters look hard. Here is the whole thing, start to finish.
On your phone or computer
Pull your 3 bureau report from IdentityIQ and upload it. The Kit reads every account on all three bureaus.
The Kit lists the accounts that look inaccurate, incomplete or unverifiable, each with the reason. Confirm it is your own report.
Click the ones you want to dispute, or select all. The Kit writes one letter for each bureau.
At the printer
One letter for each bureau, listing every account you picked, with your ID and proof of address pages, a sign here line and a READ ME FIRST sheet.
At the mailbox
Sign, fold, stamp. A regular envelope and regular first class stamps. The Kit tells you how many stamps each one needs; usually $3 to $5 in all.
You can dispute errors with the credit bureaus yourself at no charge. Kit It Yourself is software that prepares the letters for you to mail. We do not dispute anything for you, and no result is promised.
Ready to Kit yourself?
$20 a month. You'll get a sign in link by email and can upload your report right away.
IdentityIQ report billed separately by IdentityIQ: $1 for 7 days, then $21.86 a month. Cancel online any time.
Not ready yet? Join the club free.
Maybe you've been turned down for a credit card. Maybe you're tired of dealing with your credit, or you just don't know what to do next. You're not alone.
The Credit Comeback Club is our free community, with practical information about building positive credit and taking your next step.
- Credit building tips and resources
- Secured credit card options
- Answers to common credit questions
- Community discussions and support
- A look at Kit It Yourself, whenever you're ready
Free to join: no purchase, card or credit report needed.
Questions
Is this credit repair? No. Kit It Yourself is do it yourself software. You read your report, you choose what to dispute, and you mail your own letters. We never contact the bureaus for you.
Why do I need IdentityIQ? The Kit reads the IdentityIQ 3 bureau report, so it can see all three bureaus at once. IdentityIQ bills you directly: $1 for the first 7 days, then $21.86 a month.
Does checking my report hurt my score? No. Looking at your own report is not a hard inquiry.
What do I need? Your IdentityIQ report, a photo of your ID, a photo of a bill with your current address, a printer (or a library), envelopes and stamps.
Do you keep my Social Security number? No. It and your birth date are filled in on your own screen when you print, and never saved on our server. Your ID and bill photos stay on your device too.
How many accounts can I dispute? Every account you pick goes on one letter per bureau, so each bureau gets one envelope.
Do you mail the letters for me? No, you mail them. That keeps it simple and cheap: a regular envelope and regular stamps, usually $3 to $5 for all three.
How long do the bureaus take? They usually write back within 35 to 40 days. My Disputes keeps track of what you sent and when.
What if a bureau writes back asking for more proof? That happens. Tap "I got a stall letter," and the Kit reprints that bureau's package with a short new cover letter. Mail it with a copy of their letter.
Can I use it on my phone? Yes. Upload and pick on your phone or computer. Print at home, or save the PDF and print at a library or office store.
Can I cancel? Yes, online, any time. You keep access through the month you paid for.
What is the Credit Comeback Club? Our free community for building positive credit and asking questions. No purchase needed.
Upload. Review. Click.
Print. Mail.
That is the whole job. $20 a month. Your IdentityIQ report is billed separately by IdentityIQ.
Go Kit Yourself