Important
Disclaimer
DIY Credit Repair is a self-service platform. The tools can help you organise information and correspondence, but they cannot promise a particular credit outcome.
Not a credit bureau
DIY Credit Repair does not create bureau scores, decide what a credit provider approves, or control how an external bureau or provider investigates a dispute. Live bureau features are available only through approved and enabled provider integrations.
No guaranteed deletion, score or approval
Accurate information is not automatically removable because it is negative or inconvenient. We do not guarantee deletion of information, an increase in a credit score, approval for finance, a lower interest rate or any other financial result.
Not legal representation
Educational content and document generators do not create an attorney-client relationship and do not make DIY Credit Repair your attorney, debt counsellor, financial adviser or representative. Court proceedings, summonses, judgments, prescription questions and other legally complex matters may require advice from an appropriately qualified professional.
Member-provided facts
Pre-written letters are assembled from structured facts selected or entered by the member. You must review the document before submitting it and must not knowingly send false, misleading or incomplete information.
External information can change
Credit bureau records, provider processes, portal addresses, contact channels and applicable requirements can change. The platform can help maintain configured recipient information, but members should still confirm critical submission details when a matter is time-sensitive.
Use professional help where appropriate
If you are dealing with court papers, enforcement action, a complex contractual dispute, debt review, insolvency, suspected serious identity fraud or a matter with an important deadline, obtain suitable professional assistance rather than relying only on a self-service template.