The same plans and letters we use, packaged for people who want to run their own file. Honest warning included: DIY works when you work it, on the same 45-day clocks we live on.
A personalized action plan built from your actual reports, professionally drafted letters, and the exact mailing order that protects your legal footing.
Monitoring access, stamps, and follow-through. The plan tells you what to send, when, and what each response means.
Plans and letters are custom digital work delivered in full at purchase, so they are not refundable once delivered. Counsel-reviewed language publishes here.
The free route gives reports without scores. Monitoring refreshes monthly and is what the plan is built against. We use IdentityIQ, and P&K may earn a commission when you enroll through our link.
The record: every account, balance, and history line the bureaus hold on you. This is what your letters challenge.
A number summarizing the report at one moment. It moves when the report moves. You never dispute a score.
The full picture lenders read: reports, scores, income, DTI. The thing you are actually building.
One flat price, delivered in days.
Pricing publishes at launch. Digital delivery, final sale, e-sign agreement first.
Connect monitoring, we build the plan from your real reports and deliver it with round-one letters.
Send letters certified, log the dates. Bureaus owe answers on roughly 30-day clocks.
Each response has a next move. The plan covers them, and upgrading to done-for-you is always open.
Already running your own file and need one specific weapon? Each letter is drafted for your exact item, not a template with your name pasted in.
| Letter | Price |
|---|---|
| Round 1 bureau challenge letter | Price at launch |
| Round 2 escalation letter | Price at launch |
| Debt validation letter | Price at launch |
| Goodwill adjustment request | Price at launch |
| Pay-for-delete negotiation letter | Price at launch |
| Cease and desist letter | Price at launch |
| Identity theft block request | Price at launch |
| Inquiry challenge letter | Price at launch |
| Medical collection challenge | Price at launch |
| Charge-off accuracy challenge | Price at launch |
| Reinsertion protest letter | Price at launch |
| Method of verification demand | Price at launch |
Beyond the big three, these agencies feed lending and banking decisions. Freezes are free by law. Save every confirmation number somewhere you will find it again.
The largest secondary data broker. Feeds insurance and identity data into decisions.
The quiet fourth bureau. Freezing it is free and takes minutes.
Banking history. A freeze here protects new-account fraud.
Subprime and payday lending data, owned by Experian.
Alternative lending and rental data.
Now part of LexisNexis Risk. Confirm the freeze carries over.
Every freeze issues a PIN or confirmation. Losing them turns a five-minute unfreeze into weeks of identity verification. Screenshot everything.
Same physics as our done-for-you work: bureaus get about 30 days per challenge, so plan on rounds of roughly 45 days. A simple file might resolve in one or two rounds. A heavy file can take several. Anyone promising faster is selling something.
Silence past the deadline is itself a violation with its own follow-up letter, which the plan includes. Document every mailing date; certified mail exists for this.
Upgrade paths stay open. Everything you paid for DIY work stands on its own, and the free consultation can tell you whether your file is one to hand off.