How It Works (And Why Everyone Else is Doing It Wrong)
Look, I'm gonna be straight with you. Most credit repair services charge $99+ per month to send the same form letters everyone else uses. Apps show you scores lenders don't use while selling your data to the highest bidder. We built Build Your Credit to be different.
I built Build Your Credit because I was sick of watching people get taken advantage of. Here's how we help you fix your credit - no monthly fees, no data mining, no BS.
Step 1: Get Your credit Reports (Not the Watered-Down Versions)
First things first - you need to see what's really on your credit reports. And I mean the REAL reports, not whatever Credit Karma is showing you.
Go to AnnualCreditReport.com. It's the only legit government site for free credit reports. Here's the crazy part that most people don't know: you can get your full report from each bureau every single week now.
Yeah, you read that right. Every week. For free.
While other people are paying for monthly monitoring services or looking at fake VantageScores, you can track your credit in real-time. Send a dispute on Monday, check your report the next week to see if it worked. It's like having a superpower that nobody told you about.
Credit Karma shows VantageScore 3.0, which most lenders don't use for lending decisions. The credit bureaus' own apps prioritize selling you monitoring services. But AnnualCreditReport.com provides your complete, official credit report directly from each bureau - the same information lenders see.
Step 2: Upload Your Report and Get Real Analysis
Here's where we're completely different from everyone else. We can analyze reports from all three bureaus and tell you exactly what's helping or hurting your score.
Not generic advice like "your utilization is high." We provide specific analysis identifying which accounts are impacting your score and why, helping you prioritize which issues to address first.
And here's the best part - we don't keep your data. Upload your report, get your analysis, and we forget you exist. No tracking, no profiling, no selling your info to credit card companies. Your business stays your business.
Most platforms make money by keeping you confused and selling you stuff. We make money by giving you tools that work, then getting out of your way.
Step 3: Pick Your Battle (Letter Templates That Work)
This is where the magic happens. Letters are the most powerful credit building tool you have, but most people write ineffective ones that get ignored.
I've seen people write things like "Dear Credit Bureau, please remove this because it's hurting my score." That's not how this works. That's not how any of this works.
Our templates are different. They're written by people who understand the Fair Credit Reporting Act. They use the right legal language. They get taken seriously.
We've got templates for everything:
- Dispute letters that get investigated (not just rubber-stamped)
- Goodwill letters that make creditors want to help you
- Debt validation letters that put collectors on the defensive
- Pay-for-delete negotiations that get results
- Cease and desist letters that legally shut down harassment
Plus all the specialized stuff - medical billing disputes, student loan problems, mortgage issues, rental disputes. If it affects your credit, we've got a template for it.
Step 4: Customize Without Screwing It Up
Our system walks you through customizing each letter for your specific situation. No guesswork about what to include or how to say it.
The templates keep the professional language and legal terminology that gets attention, while letting you add your personal details and circumstances. It's like having a credit attorney write your letters, but without the $500/hour fee.
Most people either write letters that are too emotional ("This is ruining my life!") or too generic (copy-paste templates that bureaus recognize and ignore). Our system hits the sweet spot - professional but personalized.
Step 5: Get Your Letters Delivered the Right Way
You've got two options here:
Do it yourself (free): Print the letters and mail them yourself. We give you detailed instructions - which addresses to use, how to send certified mail, what documents to include. Everything you need to do it right.
Let us handle it (small fee): We print everything on professional letterhead and send it certified mail to all three bureaus. You get tracking numbers and confirmation of delivery.
Either way works. The letters get results because they're professionally written and legally sound, not because of who puts them in the mailbox.
Step 6: Track Results Without Being Tracked
If you use our mailing service, you get a confirmation number that we keep for 90 days. After that, it gets automatically deleted.
We don't build profiles on you. We don't monitor your credit long-term. We don't use your information for marketing. Once your letters are sent and the 90-day retention period ends, your data is automatically deleted from our systems.
That's how it should be. Your credit journey is your business, not ours.
Why This Works (When Everything Else Fails)
Legal backing: The FCRA requires bureaus to investigate written disputes within 30 days. They can blow off phone calls, but certified mail with legal language? That gets attention.
presentation: Well-written letters show you know your rights and aren't going away quietly.
Paper trail: Every letter creates documentation that proves you're following the proper process.
No ongoing fees: Pay once, get your tools, fix your credit. No subscription traps or monthly charges.
What Makes Our Templates Different
Most DIY credit repair attempts fail because people write ineffective letters. They're either too emotional, too vague, or don't include the right legal language.
Credit repair companies use mass-produced form letters that bureaus recognize and dismiss.
Our templates are the sweet spot - professional enough to get taken seriously, but customizable enough for your specific situation.
They're written by people who understand:
- What the FCRA requires
- How bureau investigations really work
- What language gets creditors' attention
- How to format letters that look professional
- Which supporting documents to include
Your Privacy Matters to Us
Unlike every other platform out there, we're not in the data business:
No long-term storage: Your info gets used to create your letters, then deleted after 90 days.
No tracking: We don't monitor your credit, track your spending, or build marketing profiles.
No data selling: Your information never gets sold to anyone, ever.
Transparent business model: We make money from our tools. When we recommend products, we disclose affiliate relationships.
Ready to Stop Getting Ripped Off?
Enough with the monthly fees from credit repair companies. Enough with apps that sell your data while showing you scores lenders don't use. Enough with writing letters that get ignored.
Get professional tools that work. Use them to fix your credit yourself. Move on with your life.
No monthly fees. No data selling. No BS. Just results.
Upload your credit report privately and ad-free.
Disclaimer: The information provided on this site is for educational purposes only and does not constitute legal or financial advice. Credit improvement results vary based on individual circumstances. We cannot guarantee specific outcomes from using our tools or following our guidance. For legal advice regarding your specific situation, consult with a qualified attorney. For personalized financial advice, consult with a licensed financial advisor.