Inside Our DIY Credit Repair Process
What Is Factual Disputing — and Why Does It Work?
Factual Disputing is one of the most effective and beginner-friendly credit repair methods available — and it’s 100% legal and backed by your rights under the Fair Credit Reporting Act (FCRA). At its core, this method is about holding the credit bureaus accountable for reporting only accurate, verifiable, and complete information on your credit report.
Instead of quoting complicated laws or using cookie-cutter letters that get ignored, Factual Disputing focuses on real errors and inconsistencies — the kind that force credit bureaus and creditors to investigate and often remove negative items.
Even a small mistake, like a wrong balance, a missing date, or an incomplete payment history, can be enough to trigger a deletion. And you’d be surprised how often those errors show up.
At diycR.club, you take the lead in your factual disputing process. You review your own credit reports, identify information that is inaccurate, incomplete, or incorrect, and decide which specific items you want to dispute based on the facts you see.
Once you’re ready to proceed, we prepare professionally formatted dispute letters for you. Each letter is customized to reflect the factual errors you’ve identified and the accounts you choose to challenge, helping you submit clear, accurate disputes with confidence and control.
Head of Marketing
This is your chance to challenge what’s hurting your credit — using facts, not fear.
You don’t need a lawyer.
You don’t need to pay thousands to a credit repair company.
You just need the right tools — and that’s exactly what this kit delivers.
Ready to take control and start repairing your credit with facts that work?
Click HERE to get instant access to the Factual Disputing Toolkit now.
What Is Consumer Law Disputing — and Why Should You Use It?
Consumer Law Disputing is a powerful, advanced credit repair method that uses federal consumer protection laws to challenge inaccurate, unverifiable, or unlawfully reported information on your credit report.
This approach goes deeper than traditional dispute methods — instead of just pointing out errors, you’re holding the credit bureaus, debt collectors, and furnishers legally accountable to follow the law.
Under laws like the Fair Credit Reporting Act (FCRA), the Fair Debt Collection Practices Act (FDCPA), and others, you have legal rights that often go ignored — unless you know how to enforce them.
That’s where Consumer Law Disputing gives you the upper hand.
At diycR.club, you remain fully in control of your consumer law credit repair process. You review your own credit reports, decide which accounts to challenge, and identify potential violations of consumer protection laws—such as reporting inaccuracies or compliance issues—based on what you uncover.
Once you're ready, we prepare professionally written dispute letters on your behalf, carefully customized to reflect the consumer law issues you’ve identified and the specific items you choose to dispute, giving you the confidence to move forward with clarity and precision.
Project Manager
This isn’t a quick fix — it’s an empowerment strategy.
Consumer Law Disputing helps you speak their language and fight back with confidence, clarity, and control.
When you know your rights, you can finally defend your credit — and win.
Ready to stop getting ignored and start getting results backed by law?
Click HERE to grab your Consumer Law Disputing Kit now and begin repairing your credit like a pro — without the lawyer price tag.
What Is Metro 2 Compliance Disputing — and Why Is It the Most Effective Method Available?
Metro 2 Compliance Disputing is the most advanced and results-driven method for challenging negative items on your credit report. Unlike other approaches, Metro 2 focuses on how information is reported — not just whether it’s true or not.
Every account on your credit report must meet the strict data formatting and reporting rules established by the Metro 2 compliance system — the very system the credit bureaus use to process and report your financial data. If a creditor fails to follow these rules, that item is considered non-compliant and can be legally removed from your report.
Why Metro 2 Gets Results:
*It targets technical and formatting violations, not just errors
*It doesn’t argue whether the debt is valid — it focuses on how it’s reported
*Even accurate debts can be removed if they’re not properly reported
*It leverages the same compliance system the credit bureaus are required to follow.
At diycR.club, you stay in control of your credit repair journey. You decide which items you want to challenge and identify potential Metro 2 violations based on your own credit report.
Once you’re ready, we create the dispute letters for you — professionally formatted and customized based on what you found and what you want to dispute.
Creative Director
This is the method serious credit experts use — now simplified and placed in your hands.
Ready to challenge inaccurate reporting and take back control of your credit?
Click HERE to get your Metro 2 Compliance Dispute Letter and start the most effective path to cleaning up your credit — on your terms
Take Control of Your Entire Consumer Report — Not Just Your Credit
Your financial reputation isn’t limited to your credit score. There are dozens of lesser-known consumer reporting agencies that collect and share your personal information — and the data they report can impact everything from getting a job to renting a home or opening a bank account.
At diycR.club, we help you take full control of your entire consumer profile, not just your credit report.
You have the legal right to dispute, challenge, and correct any inaccurate, outdated, or unverifiable information across a wide range of reporting systems — and we’re here to help you do exactly that.
What You Can Dispute:
Consumer Reports – Clean up your Experian, TransUnion, and Equifax credit files
Employment & Background Checks – Challenge false or outdated information affecting your job opportunities
Check & Bank Screening Reports – Dispute records from companies like ChexSystems and Early Warning Services that block you from opening bank accounts
Rental History Reports – Remove inaccurate eviction records or payment issues from databases like CoreLogic and LexisNexis
Court Records – Correct errors related to civil judgments, bankruptcies, or criminal records
Insurance Reports – Fix data that could be raising your premiums for auto, home, or life coverage
Pick your comeback path
Your Credit Comeback Starts Here
Bronze Breakthrough
$199
Downloadable Basic Dispute Letters
Monthly Credit Tips/Checklist
Members Only Content Hub
Credit Comeback Collective FB Group
No contracts - Valid for 3 Months
*Package includes 2 dispute rounds
gold rebuild
$299
Bronze Breakthrough Package +
Access to Full DIY Dispute Library
DIY Vault Access
Members Only Discounts
No contracts - Valid for 3 Months
*Package includes 2 dispute rounds
platinum power
$399
Gold Rebuild Package +
2 Rounds of Metro2 Attacks
30 Minutes Monthly w/Tiffany the DIY Credit Coach
No contracts - Valid for 3 Months
*Package includes 2 dispute rounds
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