A plain-language guide to reading all three of your reports, disputing inaccurate items, dealing with collectors and rebuilding your credit. It includes 28 fill-in letters and 10 printable worksheets, in the order you'll use them.
Instant download · Information current as of October 2026 · Secure checkout by Stripe
Federal law lets you see everything the credit bureaus keep about you, challenge anything that's wrong, and have errors corrected or deleted, for free. The playbook shows you how to use those rights well.
If anyone promises to erase accurate information, asks for payment before doing any work, or offers a "new" credit identity number (a CPN), walk away. Charging up front for credit repair services is illegal under federal law, and using a CPN in place of your Social Security number can be a federal crime.
Every chapter ends with an Action Steps box, so you always know what to do before you turn the page.
Every report is different, so these timeframes are typical, not promised.
One-time purchase. No subscription, no monthly fees, nothing sent on your behalf.
Everything you need to do it yourself, in one printable PDF.
The full playbook, plus an AI helper that works through it with you.
Requires your own supported Claude account or a ChatGPT account/workspace that permits custom plugin installation · Refundable before download
Credit Repair Ease does not promise a higher score or any result by any date. It shows you how to challenge information that is inaccurate, incomplete or unverifiable. Accurate negative information can lawfully stay on your report for the time the law allows.
Your purchase includes separate companion files for Claude and ChatGPT. Install the edition your account supports. It follows the playbook step by step and cites the chapter and letter number every time, so you can check its work in the book.
ChatGPT disclosure: the ChatGPT edition requires Plugins and Skills access plus permission to install or upload a custom plugin. Availability depends on plan, workspace role and administrator settings, and some accounts may not offer it. Confirm access before purchase. A Claude or ChatGPT account is not included. Claude is a product of Anthropic; ChatGPT is a product of OpenAI. Credit Repair Ease is not affiliated with either company.
Plain-English explanations, Pro Tips and Cautions where mistakes happen, and light pages that print well at home.
124 pages · 18 chapters · 10 worksheets · 28 sample letters
Part 1 · Foundations
Part 2 · Assess Your Credit
Part 3 · Dispute & Correct
Part 4 · Resolve Negative Accounts
Part 5 · Rebuild & Maintain
Reference & Printables
Each one comes with notes on when to use it, what to attach, and how to make it your own. Specific facts get results; identical templates can be dismissed as frivolous, so the playbook shows you how to write yours.
Each worksheet appears right where you need it, with a clean printable set at the back.
Self-help is the right tool for most credit problems. Some situations call for a lawyer, and you deserve to know which ones before you start. Many consumer attorneys take credit reporting and debt collection cases at no cost to you, because the law can make the company pay their fees.
The playbook's Red Flags checklist covers these and points you to free and low-cost help.
Credit Repair Ease does not promise a higher score, or any result by any date, and no one can honestly promise that. The playbook shows you how to find and challenge information that is inaccurate, incomplete or unverifiable, deal with collectors, and build positive history. What that does to your score depends on what's on your reports and what you do next.
No. Accurate, timely negative information can lawfully stay on your report for the period the law allows, usually seven years for most items. The playbook explains those time limits, how to spot items that are reported wrong or too long, and how goodwill requests and negotiated settlements work, where a creditor chooses to change what it reports.
No. We sell self-help materials. We never contact credit bureaus, creditors or collectors for you, and we don't send letters on your behalf. You do every step yourself, which is your legal right, and disputing errors is free.
No. The playbook and companion are educational tools. They explain how the process works and the decisions you'll face, but they don't replace advice from an attorney about your situation, and buying them doesn't create an attorney-client relationship.
No. The playbook is complete on its own, and every letter and worksheet is in it. The companion saves time on the two hardest parts, auditing three long reports line by line and turning sample letters into specific ones, and it keeps track of your deadlines.
Your playbook PDF, your credit reports, and either a supported Claude account or a ChatGPT account or workspace where Plugins and Skills are available and you have permission to install or upload a custom plugin. ChatGPT availability depends on your plan, role and administrator settings. Check for Customize → Plugins and an upload option before purchase. The included guide covers both editions and privacy steps.
No. The ChatGPT edition is a custom skills-only plugin. Your account or workspace must offer Plugins and Skills and permit custom plugin installation or upload. Some personal accounts and managed workspaces may not offer that access. A ChatGPT subscription or workspace is not included. If the upload option is unavailable, use the included Claude edition or ask your workspace administrator.
Not us. The companion runs inside your own Claude or ChatGPT account, so your reports go only where you upload them. The setup guide shows you how to hide your full Social Security number and account numbers first and review the AI provider's privacy and data-control settings.
The main credit reporting and debt collection laws are federal, so the process is the same everywhere. Some rules vary by state, especially how long a creditor can sue on a debt. The playbook includes a reference table for all 50 states and DC and shows you how to confirm current rules.
Right after checkout you land on your order page. A signed Stripe webhook verifies the payment before your private links appear. Each link works for 72 hours and up to three downloads, so save your files to your device. Stripe also emails you a receipt.
Yes, within seven days of purchase, as long as none of your files has been downloaded. See the refund policy.
Credit repair fixes what's wrong on your reports. If the debts themselves are the problem, or your home is at risk, these guides cover the next step.
Get the playbook, or add the AI companion and work through it with help.