The DIY Credit Action Kit
Take backyour credit
Your credit belongs to you. Learn how to take control of it.
An 18-page, step-by-step kit that shows you how to review all three of your credit reports, identify information that may need attention and work through the dispute process yourself, before you spend hundreds of dollars hiring someone else.
- One-time $20
- Instant digital delivery
- No subscription
Most people have never actually read their credit report.
It affects your rent, your car note, your insurance and sometimes your job, yet almost no one is shown how to read it, let alone what to do when something looks wrong.
It's written in a language nobody taught you.
Account codes, remarks and dates spread across three bureaus that don't always match each other.
You're not sure what's worth questioning.
Without a system, it's hard to tell a normal entry from one that may be inaccurate or incomplete.
So you pay before you understand.
Many people spend hundreds of dollars on help before they know what the process involves.
Getting professional help is a choice some people make. It's a better choice when you understand the process first.
You don’t need another guru.You need to understand the process.
The DIY Credit Action Kit turns a confusing process into an organized one: what to look at, how to document it, which letter fits which situation and how to keep track of every response.
It’s credit education you can act on, on your own schedule and in your own words. No calls, no contracts, nothing to sign.
- Pages
18
pages, start to finish
- Letter templates
4
letter templates
- Action plan
30
day action plan
What’s inside the kit.
18 pages, organized around what you’ll actually do: review, plan, write, track, rebuild and protect.
Review
See what's actually on your reports.
Three-bureau credit-report audit
A structured way to review your reports from all three bureaus side by side.
Error-identification worksheet
Note entries that may be inaccurate, incomplete or unfamiliar — and what documents you have.
Plan
Know what to do first, and what comes next.
30-Day Action Plan
A 30-day structure that turns the whole process into manageable steps.
Write
The right letter for the right situation.
Credit-bureau dispute letter template
For disputing information directly with a credit bureau.
Furnisher dispute letter template
For disputing with the company that reported the information.
Debt-information request letter
For requesting information about a debt you're being asked to pay.
Goodwill-adjustment letter
A courteous request asking a creditor to reconsider a reported item. They're not required to agree.
Customization and record-keeping instructions
How to choose and customize the appropriate letter, attach supporting documentation and keep records.
Track
Never lose track of what you sent.
Dispute/response tracking system
Log every letter you send and every response you receive, in one place.
Rebuild
Build habits that last beyond the disputes.
Credit-card balance worksheet
See your balances and limits clearly so you can plan how to manage them.
Credit-rebuilding plan
A practical plan for building better credit-management habits.
Protect
Know who to trust — and who not to.
Identity-theft and scam warnings
Warning signs to watch for while you work on your credit.
Clickable official resources
Direct links to official sources, so you always know where to go.
Every kit arrives with a welcome letter from The Hayes Method LLC.
Get the DIY Credit Kit — $20How it works.
Five steps, in order. The kit walks you through each one.
Get the kit
Check out securely for $20. Your kit is delivered digitally as soon as your purchase is complete.
Pull your reports
Use the official resources inside the kit to get your reports from all three credit bureaus.
Audit and identify
Work through the three-bureau audit and the error-identification worksheet to note anything that may need attention.
Act and track
Customize the letter that fits your situation, attach your supporting documents and log every response in the tracking system.
Rebuild your habits
Use the credit-card balance worksheet and credit-rebuilding plan to manage your credit going forward.
- One-time $20
- Instant digital delivery
- No subscription
The process is yours to learn.
Federal law gives you the right to dispute information on your credit report that you believe is inaccurate or incomplete. You can do it directly with the credit bureaus and with the companies that report to them.
You don’t need anyone’s permission to start. What most people are missing is structure: knowing where to look, what to write and how to keep track. That’s what this kit is for.
Professional services can be the right fit for some people. Either way, understanding the process means you’ll always know what’s happening with your own information.
Understand
Know what's on your reports, what it means and what may need attention.
Organize
Keep your letters, documents and responses in one system instead of scattered.
Follow through
Build credit-management habits that outlast any single dispute.
Who this kit is for.
This is for you if
- You've never reviewed your full reports from all three bureaus.
- You think something on your report may be inaccurate or incomplete.
- You'd rather learn the process before paying someone to do it.
- You want one system for your letters, documents and responses.
- You're working on rebuilding and want a practical plan.
This isn’t for you if
- You want someone else to handle everything for you.
- You're looking for guaranteed results or a fast score jump.
- You're hoping to remove information that's accurate.
The dispute process is for correcting information that’s inaccurate or incomplete. Accurate information can generally stay on your report for the period the law allows.
The complete kit, for $20.
One price, paid once. Yours to keep and use at your own pace.
- One-time $20 purchasePay once. That's the whole price.
- No subscriptionNo recurring charges, no membership, nothing to cancel.
- Digital productAn 18-page kit you can use on your phone or computer.
- Instant digital deliveryDelivered electronically as soon as your purchase is complete.
- Secure checkout by StripeYour card details go directly to Stripe and are never stored on this site.
Take Back Your Credit
The DIY Credit Action Kit
- 30-Day Action Plan
- Three-bureau credit-report audit
- Error-identification worksheet
- Credit-bureau dispute letter template
- Furnisher dispute letter template
- Debt-information request letter
- Goodwill-adjustment letter
- Dispute/response tracking system
- Credit-card balance worksheet
- Credit-rebuilding plan
- Identity-theft and scam warnings
- Clickable official resources
- Instructions for customizing letters, attaching documentation and keeping records
Includes a welcome letter from The Hayes Method LLC.
Get the DIY Credit Kit — $20Straight answers.
If it isn’t answered here, reach us through the Contact page.
Is this a credit repair service?
No. The DIY Credit Action Kit is a digital educational product. We don't contact the credit bureaus or your creditors for you. You review your own reports and decide what action, if any, to take.
Will this raise my credit score?
We can't promise that, and no one honestly can. Credit scores depend on your full credit history and many factors outside this kit. What the kit does is help you understand your reports, address information that may be inaccurate and build better credit-management habits.
Can the kit remove negative items from my report?
The dispute process exists to correct information that is inaccurate or incomplete. Accurate negative information can generally remain on your report for the period the law allows. The kit shows you how to identify what may be worth disputing and how to dispute it properly. It does not guarantee that any item will be changed or removed.
Can't I do this myself for free?
Yes. You can get your credit reports from official sources and file disputes with the credit bureaus at no cost. The kit doesn't unlock anything you couldn't do on your own. It gives you the structure, letter templates and tracking system to do it in an organized way.
What exactly do I get?
An 18-page digital kit with a 30-Day Action Plan, a three-bureau credit-report audit, an error-identification worksheet, four letter templates, a dispute/response tracking system, a credit-card balance worksheet, a credit-rebuilding plan, identity-theft and scam warnings, clickable official resources and step-by-step instructions. It comes with a welcome letter from The Hayes Method LLC.
How is the kit delivered?
Digitally. As soon as your purchase is complete, your kit is delivered electronically to the email address you use at checkout. There's nothing to ship and nothing to wait for.
How long does the process take?
Every situation is different. The 30-Day Action Plan gives you a structure for your first month, but response times depend on the credit bureaus and companies involved, so we don't promise any timeframe or result.
Is there a subscription?
No. It's a one-time $20 purchase. There are no recurring charges.
Is my payment secure?
Checkout is handled by Stripe, a widely used payment processor. Your card details are entered on Stripe's secure checkout and are never stored on this site.
What's your refund policy?
Please review our Refund Policy before purchasing.
Your credit.
Your move.
Start with an 18-page kit, four letter templates and a plan for your next 30 days.
- One-time $20
- Instant digital delivery
- No subscription