About The Credit Fix Kit

Why This Exists

I'm Ian Eichelberger, a licensed mortgage professional based in Columbus, Ohio (NMLS #368612). Over the years, I've helped thousands of borrowers navigate the loan process — FHA, VA, USDA, Conventional, Non-QM, DSCR, and everything in between.

And I've watched a very frustrating thing happen, over and over again.

Borrower comes to me ready to buy a house. Credit score is 588 — not far from the 620 needed for conventional, or from the 580 needed for FHA with 3.5% down. We look at their report together and find the problems: a medical collection from 2022, a late payment on a credit card that was actually paid on time, an old account balance that's showing the wrong number. Fixable stuff. Stuff that a few dispute letters would take care of.

And then they go sign up with a credit repair agency for $129/month.

Twelve months later, they've spent $1,548 and their score is up 40 points. Decent progress — but they could have done it themselves for under $150, in about the same time, with the same results. I've seen this play out hundreds of times.

I built the Credit Fix Kit because I got tired of watching it happen.

What I Know That Most People Don't

Here's the thing about credit repair that the agencies don't advertise: it's based entirely on federal rights that already belong to you. The Fair Credit Reporting Act gives every American the right to dispute inaccurate, incomplete, or unverifiable information on their credit report. The credit bureaus are required by law to investigate within 30 days. If an item can't be verified, it has to come off.

Credit repair companies write dispute letters using those rights. They send them via certified mail. They follow up. That's the process. You can do every single piece of it yourself.

I've spent years watching what works and what doesn't from the mortgage side. I know which types of disputes actually move the needle. I know which collection strategies are most effective. I know what underwriters are looking for when they review a loan file — and I know which credit issues are the biggest blockers for borrowers trying to qualify.

That knowledge went into the Credit Fix Kit.

What's in the Kit

The Credit Fix Kit is a complete DIY credit repair system built for everyday people — not lawyers, not financial professionals, just people who want to fix their credit without overpaying:

• 15 professionally written dispute letter templates — covering bureau disputes, furnisher disputes, debt validation, goodwill letters, pay-for-delete negotiations, and more
• A 90-day action plan — step by step, week by week
• Collection strategy guide — which approach to use for which situation
• Score optimization tactics — beyond disputing, how to build positive history fast
• Mortgage readiness guide — what lenders actually look for and how to prepare

One-time purchase. No subscription. No monthly charges. No middleman.

What Makes This Different

Most credit repair resources fall into one of two categories: vague, surface-level blog posts that don't actually help you do anything, or overpriced agency services that do the work for you at $100+/month.

The Credit Fix Kit is neither. It's a practitioner-built, action-oriented system that gives you everything you need to execute the actual process — with specific letter templates, specific strategies, and a specific timeline.

It's built from the perspective of someone who has sat across the table from thousands of loan applicants and watched credit scores determine outcomes. I know what matters and what doesn't.

My Background

I'm a licensed mortgage professional in Ohio (NMLS #368612) specializing in FHA, VA, USDA, Conventional, Non-QM, and DSCR lending. I work with first-time homebuyers, real estate investors, self-employed borrowers, and everyone in between.

I'm based in Columbus, Ohio, where I also run other businesses in the entrepreneurship and real estate space.

The Credit Fix Kit is my way of giving back some of the knowledge I've accumulated — without charging monthly fees for it.