Your credit score uses data on how you’ve handled debt in the past to predict your likelihood of repaying a future loan or credit card balance. Your score affects whether you get approved for credit and sometimes the interest rate or other charges you’ll pay.


DIYCH is a free service that helps consumers access credit information. Information on DIYCH is provided “as is” and should not be considered financial, legal or investment advice. DIYCH is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial/credit advisor, attorney, or law firm. You may want to hire a professional before making any decision. DIYCH does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. The helpfulness of a financial advisor's answer is not indicative of future advisor performance.

DIYCH is free credit fix assistance service provided by Kings Group North America, Inc. DIYCH is NOT a credit repair company, we simply bring resources from leading companies from around the country into one space. We are also able to provide some discounted services to some of these resources.

It is our aim to save those in debt from going into greater debt. There are a wealth of services purporting to be “credit fixers”, but some of these operate below standard. Giving your personal identifiable information is a serious situation, and should never happen lightly. ASK QUESTIONS, then ask more if you need to ensure no fraudulent activity occurs under your name.

Now more than ever before we are actively paying attention to our credit, some of us started seemingly too late. The good news is it’s never too late, we can turn things around and in most cases with minimal costs.

The main reason that most of these subpar credit fixers are so prevalent, is because we are too lazy to do our own homework. Did you know most of these credit fixers, pull your credit file or reports and write letters of dispute? Why pay for that type of service when you can do it yourself? Take control of your own destiny and stop letting people take advantage of you.

DIYCH does not claim to have all the answers and we don’t offer the frills that the credit fixers say you can get with a fee and change your life. We DO provide practical useable resources and information to start you on a journey to a financially stable future. We invite you to explore your options and talk with reputable BBB accredited credit repair companies if you must. Even the ‘B’ word [bankruptcy] shouldn’t be ignored if it what you need to do. You must do what you must do to ensure your future is brighter than you ever imagined.


You are entitled to a free credit report from each of the three credit reporting agencies (Equifax, Experian, and TransUnion) once every 12 months. You can request all three reports at once, or space them out throughout the year.


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What is a credit score?

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Whats bringing your score down?

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Errors on Your Credit Report

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Credit Scores

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Credit Reports


Through the online dispute submission process at

By toll-free telephone number at 800-916-8800. Customer service representatives are available Monday through Friday (excluding major holidays) from 8 am to 11 pm Eastern time.

By mailing your dispute request to:
TransUnion LLC
Consumer Dispute Center
P.O. Box 2000
Chester, PA 19016 Please have the following information on hand to complete your dispute:

  • Your TransUnion file number
  • Social Security Number
  • Date of birth
  • Current address
  • Company name of the disputed item (from your credit report)
  • Account number of the disputed item (from your credit report)
  • Reason for your dispute (such as, it is not your account; you have paid the account; etc.)

Any corrections to your personal information (address, phone number, etc.)

Equifax dispute


8 a.m. to 8 p.m. (ET)
Monday through Friday

Equifax Information Services LLC
P.O. Box 740256
Atlanta, GA 30374-0256


  • Get access to your Experian Credit Report and initiate a dispute through the online Dispute Center. Start the process online or from your mobile device.
  • You do not need a report number to submit a dispute through our online Dispute Center. If you already have a paper copy of your report from Experian, and you want to contact us to get assistance with your dispute, call the number on your Report and reference the report number (near your name on your paper report) to get quicker access.


  • To submit a dispute by phone please call the number displayed on your credit report to speak with an agent. To request a copy of your personal credit report to be delivered by U.S. mail, call 1 866 200 6020.


  • You can dispute without a credit report by writing to Experian, P.O. Box 4500, Allen, TX 75013.
  • You can reference our Dispute by Mail PDF. This form can be mailed to us or scanned and then uploaded to
"Some people are just stuck in their ways and have been brainwashed into believing that credit cards and debt are an unavoidable part of life." - Dave Ramsey