Frequently Asked Questions About Credit Repair
Everything you need to know about the Credit Fix Kit and the credit repair process. Don't see your question? Contact us.
What is the Credit Fix Kit?
The Credit Fix Kit is a complete DIY credit repair system built by a licensed mortgage professional. It includes 15 professionally written dispute letter templates, a 90-day action plan, collection negotiation strategies, and step-by-step guidance to fix your credit without paying a monthly agency fee.
How much does the Credit Fix Kit cost?
The Credit Fix Kit is a one-time purchase of $47. There are no monthly fees, no subscriptions, and no recurring charges. You get lifetime access to everything in the kit.
Is credit repair legal? Can I do this myself?
Yes — completely legal, and yes, you can absolutely do this yourself. Credit repair is based on the Fair Credit Reporting Act (FCRA), a federal law that gives every American the right to dispute inaccurate information on their credit report. You can exercise these rights directly — no company needed.
What's included in the kit?
15 dispute letter templates (bureau disputes, furnisher disputes, debt validation letters, goodwill letters, pay-for-delete letters), a 90-day step-by-step action plan, a collection negotiation guide, score optimization strategies, and a mortgage readiness guide.
How long does credit repair take?
Most people see initial improvements in 30-60 days. Significant improvement (50-100+ points) typically happens within 3-6 months of active effort. More complex situations may take 6-12 months. Results depend on your specific credit issues and how aggressively you pursue the process.
Can the Credit Fix Kit remove accurate negative information?
No — and any company that claims it can is lying or doing something illegal. The Credit Fix Kit focuses on disputing inaccurate, incomplete, or unverifiable information, negotiating removal of collections, and building positive history. Accurate, verified negative information stays on your report for up to 7 years.
What types of credit issues can the kit help with?
Collections, charge-offs, late payments (inaccurate ones), errors on your report, accounts you don't recognize, incorrect balances, high credit utilization, thin credit files, and more. The kit includes specific strategies for each situation.
What's the difference between the Credit Fix Kit and a credit repair company?
Credit repair companies charge $79-$150/month (over $900/year) to execute the same FCRA dispute process you can do yourself. The Credit Fix Kit gives you all the same letter templates and strategies for $47 one-time — saving you $800-$1,700+ per year with comparable results.
How do I get my credit reports?
You can get free weekly reports from all three bureaus (Equifax, Experian, TransUnion) at AnnualCreditReport.com — the only federally authorized source for free credit reports. The kit includes guidance on how to review and analyze your reports.
Will disputing items hurt my credit score?
No. Filing a dispute has no direct negative impact on your credit score. The only risk is repeatedly disputing accurate information, which bureaus may flag as frivolous. Dispute strategically — focus on genuine errors and inaccuracies.
What is a pay-for-delete letter?
A pay-for-delete letter is an offer to pay a collection account in exchange for the collector removing the item from your credit report entirely. It's a negotiation strategy that can remove legitimate collections before the 7-year mark. The kit includes a pay-for-delete letter template and negotiation guide.
What is a goodwill letter?
A goodwill letter is a polite request asking a creditor or collector to remove a negative item as a gesture of goodwill. It's most effective for paid collections or one-time late payments, especially when you have an otherwise positive history with the creditor. The kit includes goodwill letter templates.
How many points will my credit score go up?
Results vary widely based on your specific situation. Removing a single collection can add 20-80 points. Lowering utilization from 60% to 10% can add 30-60 points. Many people with damaged credit see 50-150+ point improvements within 3-6 months. We can't guarantee specific results.
Is the Credit Fix Kit right for me if I have a bankruptcy?
The kit can help you address any errors related to your bankruptcy reporting and begin rebuilding positive credit history. However, an actual bankruptcy notation (Chapter 7 stays 10 years, Chapter 13 stays 7 years) cannot be removed if it's accurately reported. The kit includes rebuilding strategies for post-bankruptcy credit.
What if my disputes are denied?
The kit includes escalation strategies for denied disputes — Section 623 letters to furnishers, CFPB complaint procedures, and guidance on when to consult a consumer law attorney. One denied dispute isn't the end of the road.
Do I need to be good with technology to use this?
No. The kit provides letter templates you customize with your information and print or type. You'll need to access AnnualCreditReport.com to pull your reports and visit a post office to send certified mail. That's the full technology requirement.
Can the Credit Fix Kit help me qualify for a mortgage?
Yes — that's specifically what it was built for. The kit includes a mortgage readiness section covering FHA, conventional, VA, and USDA score requirements, what underwriters look for, and how to address the specific issues most likely to block mortgage approvals.
Is there a money-back guarantee?
Yes. If you're not satisfied with the Credit Fix Kit, contact us at info@addaipro.com with your order confirmation number within 30 days for a full refund. We stand behind the product.
Ready to Get Started?
The Credit Fix Kit gives you everything you need to fix your credit yourself — 15 dispute letter templates, a 90-day action plan, and proven strategies. One-time $47. No monthly fees.
Get the Credit Fix Kit — $47