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Fix your credit with the same letters credit repair companies charge for — free.

Generate dispute, goodwill, debt validation, and pay-for-delete letters in minutes, plus a plain-English plan to actually raise your score. Everything runs in your browser — nothing you type is stored or sent anywhere.

Build a Letter Now See the Score Guide

What you can generate here

5
Letter types
3
Bureaus covered
$0
Cost

Initial Dispute · 609 Verification Letter · Goodwill Letter · Debt Validation Letter · Pay-for-Delete Letter

How it works

Three steps to a cleaner credit report

No accounts, no upsells. Fill out a form, get a ready-to-mail letter.

1

Pull your reports

Get your free reports from all three bureaus at annualcreditreport.com and circle anything that looks wrong.

2

Generate the right letter

Pick the letter type that matches your situation and fill in the details below. We build the formal language for you.

3

Mail it & track it

Send it certified mail with return receipt so you have proof of delivery and can track the 30-day investigation clock.

Letter Generator

Build your letter

Choose a letter type, fill in your details, and get a print-ready letter instantly.

🔒
Private by design: this tool runs entirely in your browser. Nothing you type here is saved, uploaded, or sent to us or anyone else.

YOUR LETTER PREVIEW

Fill in the form and click “Generate Letter” to see your letter here.
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Score Guide

What actually moves your credit score

Roughly how a typical credit score is weighted, and what to do about each factor.

Payment History ~35%▼
The single biggest factor. One 30-day late payment can hurt more than almost anything else you do right.
  • Turn on autopay for at least the minimum on every account, even ones you plan to pay off early.
  • If you're behind, get current before doing anything else — recent lates hurt more than old ones.
  • If you have one isolated late payment on an otherwise clean account, a goodwill letter (see generator above) genuinely works for some creditors.
Credit Utilization ~30%▼
How much of your available revolving credit you're using. This resets every month, so it's the fastest lever you have.
  • Keep total utilization under 30%; under 10% is where scores really benefit.
  • Pay down balances a few days before the statement closing date, not just the due date — the balance on your statement date is usually what gets reported.
  • Ask for a credit limit increase on an account in good standing (often a soft pull) to lower utilization without paying anything down.
  • Don't close old cards just to "clean up" — it removes available credit and can spike utilization.
Length of Credit History ~15%▼
  • Keep your oldest account open, even if you rarely use it — put one small recurring charge on it so the issuer doesn't close it for inactivity.
  • Being added as an authorized user on a family member's old, well-managed account can inherit some of that history.
Credit Mix ~10%▼
  • Having both revolving credit (cards) and installment loans (auto, student, personal) helps modestly.
  • Not worth opening a loan you don't need just for this — it's the smallest factor.
  • A secured credit card or credit-builder loan from a credit union is a low-risk way to add positive mix if you're starting from thin credit.
New Credit / Inquiries ~10%▼
  • Each hard inquiry typically costs a few points and matters for about a year.
  • Rate-shop for a single loan (auto, mortgage) within a short window — most scoring models treat those as one inquiry.
  • Avoid opening several new accounts back-to-back when you're trying to raise a score before a big application.

Do this in the next 7 days

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Recommended Tools

Tools that back up what's in the guide above

Things we've researched and would actually use ourselves.

Disclosure: some links below are affiliate links. If you sign up through them, we may earn a commission at no extra cost to you. We only list tools that match the advice in our score guide.

Build payment history

Self — Credit Builder Account

A small installment loan you pay into over time (reported to all 3 bureaus), then get the money back at the end — no hard credit check to apply. Pairs directly with the "credit mix" and "payment history" sections above.

Check Self →
Monitor & protect

Aura — Identity & Credit Monitoring

Real-time alerts if your identity or credit file is compromised, plus ongoing credit score tracking — useful once you've cleaned up your report and want to know if something new shows up.

See Aura Plans →
Need more help?

Get a free credit review

If your credit situation is more complicated than a letter can fix — multiple collections, an old bankruptcy, or you just want a second set of eyes — tell us what's going on and we'll follow up.

We'll only use this to follow up about your request. No spam, no sharing your info.

Good to know: everything on this page is educational, and you have the legal right to dispute credit report errors yourself for free directly with the bureaus and creditors — you never have to pay anyone to do this. If Fix Credit Service performs paid credit repair services for you directly, that engagement is governed by a separate written contract disclosing your rights under the Credit Repair Organizations Act (CROA), including your right to cancel within 3 business days and the requirement that no fees are collected before promised results are delivered.