Oops! Sorry!!


This site doesn't support Internet Explorer. Please use a modern browser like Chrome, Firefox or Edge.

Repair Your Own Credit From All 3 Credit Bureaus

Fix Your Own Credit

Increase Your Credit Score Quickly Using AI Technology

With Our New Credit Partner

You can Do it yourself With Ease and Save Thousands!

Get Started Here

Start your 7-day trial today for $1.00

This AI-Powered Credit Repair Software Makes You an Instant Expert

The days of paying thousands of dollars to “credit gurus” and downloading endless outdated eBooks to fix your credit are over. We have partnered with CreditScoreIQ to make the credit repair and restoration process quick, easy and affordable. 

You can start today for just $1.00

Get Started Here

Challenge any and all negative accounts from the “Big 3” credit bureaus

Repair or delete damaging accounts reporting from TransUnion, Experian and Equifax including:

  • Late Payments

  • Collections

  • Inquiries

  • Bankruptcy

  • Repossessions

  • Judgments

  • Charge Offs

  • Foreclosures

  • Credt report

    The days of creating separate accounts to each bureau are no more! You get all 3 bureaus on one screen along with everything you need to fix your own credit!

    3-Bureau Credit Scores & Reports

    AI-Driven Interactive Credit Analysis

    Unlimited Dispute Generation

    You can start today for just $1.00

    Get Started Here

    AI Powered Importing and Disputes

    CreditScoreIQ automatically accesses your interactive 3 bureau credit report. All this without EVER creating a hard inquiry and lowing your credit score.

    This State-of-the-art system will analyze your accounts and let you know which are hurting your credit and which disputes to use to best eliminate them. 

    Dispute an unlimited amount of account to each and every of the 3 bureaus all at once. You can go at your own pace and without fear as this software will keep things organized for you.

    You can start today for just $1.00

    Get Started Here

    Professional Dispute Letters with Just 1 Click

    The AI powered letter generator creates effective dispute correspondence based on the very laws that were written to protect you and your credit.

    Once you receive your responses, just come back to CreditScoreIQ and record your responses. It’s that simple.

    If you ever feel overwhelmed, don’t worry because you are never alone. We have included tons of helpful tools, tips and “insider information” to help stay you on the right path to credit repair success. 

    Before you know it, you will have the ideal credit score needed to buy that new car, get that dream home, finance your next big business idea, or provide for your family. 

    You can start today for just $1.00

    Get Started Here
    Good Credit vs Bad Credit

    Terms and Conditions | Privacy Policy

    ©2024 IDIQ® provider of CreditScoreIQSM services

    Spaulding Managed Credit, LLC is the proud owner of this website. Agoura Hills, CA 91301

    Under federal law you have the right to receive a Credit Report from each of the three nationwide consumer reporting agencies once every 12 months. A Credit Score is not included.

    IMPORTANT: Fix Your Own Credit is not a credit repair service organization. We do not claim to fix your credit as we are a self-help software.

    You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor a credit repair company or credit repair organization has the right to have accurate, current and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported up to 10 years. Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur. You may, on your own, notify a credit bureau in writing that you dispute that accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau. If the credit bureau's reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit bureau to be kept in your file, explaining why you think the record is inaccurate. The credit bureau must include a summary of your statement about disputed information with any report it issues about you.

    All product and company names and trademarks mentioned herein are the property of their respective owners.