Our Credit Mastery Membership is a guided Do-It-Yourself online community — BUT with a twist. We still help you with 99.9% of the process — removing all the heavy-lifting from your shoulders — and you’re never alone.

We don’t “repair” your credit for you (doing so would make us a credit repair organization), but we do empower you with everything needed to get it done the right way. You stay in control — mailing your own letters (also with help, if desired) — while we offer hands-on support with pretty much everything else, including (but not limited to):

- Custom ghost-written dispute letter templates created round by round, specifically for your situation.

- Hands-on guidance, coaching, and education through every round.

- Step-by-step strategy using our Smart Credit Algorithm™.

- Tools, resources, and templates to make it 99.9% easier than doing it alone.

- Community support, accountability, and live coaching calls for motivation and results.

So technically, yes — it’s “Do-It-Yourself,” but with the full backing of trained advocates, proven systems, and a results-driven community. It's the most effective, cost-efficient, and compliant option we've seen thus far.

DIY Credit provides far more than “credit help”—we deliver a complete financial transformation system. As a member, you’ll unlock:

- Our Proprietary, Intensive Smart Credit Algorithm – an exclusive, scientifically designed process that strategically attacks negative accounts, maximizes score potential, and guides you from frustration to freedom step by step.

- Comprehensive Credit Analysis – a crystal-clear breakdown of everything holding your scores back, plus a custom video walk-through so you never feel lost or confused.

- Professionally Ghost-Written Dispute Letters – powerfully worded, legally compliant templates crafted specifically for YOUR credit profile, proven to trigger real results within just 35–60 days.

- Hands-On Personal Advocacy – a dedicated team that does 99.9% of the heavy lifting, while you only handle the small but powerful tasks that multiply your results.

- Business Credit Builder Wizard – a plug-and-play roadmap for entrepreneurs who want to establish strong business credit and unlock funding without personal guarantees.

- Exclusive Funding Network – access to lenders and capital you’d never find on your own, with zero upfront fees—you only pay if you’re approved.

- Dispute Resolution Training – 70+ step-by-step video tutorials and 80+ dispute templates so you can learn the secrets professionals use to repair credit.

- Live Weekly Q&A Calls & Accountability Coaching – real-time support to keep you motivated, on track, and winning week after week.

- Done-for-You Print & Mail Prep Services – never worry about printers, stamps, or envelopes again. For $25/month, we can handle all of your printing—your letters arrive ready to drop in the mailbox.

- Rewards & Incentives – earn loyalty points for engaging in the community, redeemable for exciting perks like gift cards, waived fees, surprise gifts, even vacations or mortgage payments.

- Charitable Impact – every premium membership helps fund the St. Jude’s Children’s Hospital and City Year, so while you fix your finances, you’re also changing lives.

👉 Explore membership options now

Our process is built around the Smart Credit Algorithm, a proprietary 9-step strategy designed in-house over years of advocacy work. Here’s how it works:

Credit Analysis – We audit your report and identify problem areas.

Dispute Letter Creation – Our team ghost-writes letter templates customized to your accounts.

Letter Management – You can print them yourself OR use our Print Service for full done-for-you mail prep & postage.

Legal Partner Review – Attorneys review for compliance violations (potential lawsuits = cash awards for you).

Rounds of Disputes – Each round lasts 35–45 days, with escalating tactics (9 total steps but may be extended if need be).

Progress Tracking – Your dispute portal shows updates, results, and next steps.

Coaching & Support – Weekly live Q&A calls, accountability sessions, and community engagement.

Positive Credit Building – We help you rebuild with secured/unsecured cards, credit builder loans, etc.

Graduation – Members complete the process with higher scores, funding access, and financial freedom.

This process is scientific, compliant, and results-driven, not guesswork.

We offer four powerful membership levels (plus an optional print add-on), each packed with benefits designed to move you closer to financial freedom:

- Free Membership – $0 (soon to be $7/month)
Access to our Credit Mastery U Community Free courses & resources
Weekly live Q&A calls
Community support to help you get started

- Gold Membership – $79/month
Everything in Free, plus:
Monthly credit report audits & analyses
Custom ghost-written dispute letters crafted for your profile
Full assistance with the execution of our exclusive Smart Credit Algorithm
Access to our growing library of dispute templates & training
Option to add Print Services

- Platinum Membership – $99/month
Everything in Gold, plus:
Business Credit Builder Wizard (step-by-step guide to build business credit)
Access to our exclusive business funding network (no upfront fees, success-based)
Support for both personal and business credit journeys

- Diamond Membership – $468/year ($39/month equivalent)
Everything in Gold + Platinum, plus:
Dedicated Credit Advocate for one-on-one support
Monthly face-to-face Zoom case progress meetings
Priority support (skip the line when you need help)
Access to scheduled in-office appointments (for urgent matters, drop-offs/pick-ups as needed)
A full one-year strategy plan with massive savings (SAVE $480–$720 annually)

- PLUS Print Service – $25/month add-on
We print, prepare, stamp, and package all your dispute letters
First 30 days free if added during signup
Saves time, ensures accuracy, and keeps you compliant

👉Compare memberships & join here

Getting started is simple — your startup cost is the same as the monthly cost of the membership level you choose.

We offer:

Free — $0

Gold — $79/month

Platinum — $99/month (includes business credit & funding support)

Diamond — $468/year (or $39/month equivalent)

If you’d like us to perform your credit analysis and monthly audit updates, you’ll also need to maintain an active tri-merged credit report through our preferred monitoring partner — only $2 to start, then $26/month thereafter.

Every membership is 100% risk-free, backed by our 35-day money-back guarantee, 70-day money-back guarantee (restrictions apply), and 90-day satisfaction guarantee (additional requirements).

Members can specify individual or joint access on their membership applications.

However, we do not offer special joint membership “plans” or discounted pricing at this time — our membership fees are already kept as low and accessible as possible. Each member maintains their own separate account, application, and billing record.

That being said, accounts can still be linked together as joint for shared benefits and convenience, such as:

- Coordinated coaching and accountability through the community.

- Shared progress visibility (when authorized).

- Mutual motivation and support toward shared goals.

- Simplified account management and communication between joint members.

Joint members are authorized to manage one another’s accounts unless one specifically requests otherwise.

Most members start seeing positive results within the first 35-60 days. That being said, every journey is unique.

On average, members become Credit Mastery U graduates in 6–9 rounds (6–12 months). Each round = 35–45 days, with unique tactics that get more powerful over time.

You may need fewer rounds if your situation is simpler or more rounds if it's a lot more complex.

A Credit Analysis is your personalized roadmap. We break down exactly what’s hurting your score, show you hidden opportunities for points, and create a step-by-step action plan tailored just for you.

It’s the clarity you need to move forward with confidence.

We guarantee satisfaction under our refund policies, but we cannot guarantee any specific credit score increase — or any increase at all. Every credit profile is unique, and results depend on your accounts, history, and how well you follow the process.

That said, many of our members who consistently follow the Smart Credit Algorithm™ and our guidance have seen score improvements of 100, 150, and even 200+ points over time.

But since credit outcomes vary based on each individual’s unique credit history and participation, your outcome will depend on how closely you work with the algorithm rather than against it.

Yes! We offer 3 money-back guarantees:

35-Day Money-Back Guarantee – cancel within 35 days for a full refund.

70-Day Money-Back Guarantee – if your primary goal is credit assistance and you’ve done your part but see zero improvements, cancel for a refund.

90-Day Satisfaction Guarantee – if you’re not satisfied with our support and haven't seen the value in this membership, cancel for a refund.
(Some restrictions apply; see membership agreement for complete details.)

Credit repair programs are run by credit repair organizations and is primarily all about deleting negatives + a little bit of rebuilding.

We are not a credit repair organization. We are a consumer credit rights advocacy group, and as such, our membership community aligns with the principles and functions of a public interest organization focused on consumer advocacy, education, and business credit/funding (for those consumers hoping to further their financial freedom by starting or growing a business).

Furthermore, our Credit Mastery Membership community is about learning to build an entire financial future—empowering you to remove errors from your credit reports, add positive accounts to it, and maintain good credit yourself, while at the same time equipping you with the proper tools and hands-on assistance to make it happen - including but not limited to custom ghost-written dispute letter templates, printing and mail prep, credit analysis reports, business credit & funding (for Platinum & Diamond members), Live weekly Q&A calls, personal coaching, community & accountability, rewards + charitable giving - all in order for you to be as successful as you can possibly be.

In addition to that, unlike a credit repair program or organization where any and everyone can pay to play, not everyone is a good fit for our community so not everyone qualifies to join.

Since our goal is to provide you with everything you need to reach both approvals and financial freedom for good - and we're determined to see that through - we do well to protect the integrity of our community by qualifying members first.

That's what makes our Credit Mastery Membership community different from an ordinary credit repair program and that's why our members are not only so successful here, but they also remain members of the community long after graduating as one of our Credit Masters.

Online disputes may feel easier and more convenient, but they're actually designed to protect the credit bureaus—not you—and they come with major drawbacks that most consumers don't know about:

- Limited word count means you can’t fully explain your case.

- Submitting online forces you to waive certain rights, including the ability to dispute again later with stronger evidence.

- Online systems are automated—there’s little human review of your dispute.

Our Credit Mastery Membership puts you in control:

- You retain your full consumer rights by disputing through written mail, which gives you far more legal power and paper-trail protection.

- We guide you through these written disputes with custom ghost-written dispute templates, specifically tailored to your reports.

- You get expert guidance, education, accountability, and community support.

The difference? Online disputes = fast but weak. Our system = thorough, strategic, and effective.

Our Smart Credit Algorithm™ helps members repair or remove a wide range of data, including:

- Late payments

- Charge-offs

- Collections (medical, utility, etc.)

- Repossessions

- Foreclosures

- Bankruptcies (public record + included accounts)

- Student loans

- Inquiries (unauthorized or duplicates)

- Child Support

- Settled accounts

- Identity theft/fraudulent accounts

- Outdated personal information

- And more

By law, every item must be accurate, verifiable, and fairly reported. If it’s not, or it's even the least bit questionable, then we can guide and assist you on how to take action.

Collections—especially medical—are often reported incorrectly. We guide you in correcting errors like wrong balances, duplicate entries, and expired reporting dates. For medical debt, new laws give you even more leverage. Our Smart Credit Algorithm helps you challenge these issues strategically, while we coach you on rebuilding positive trade lines so collections no longer weigh you down.

A charge-off means your creditor gave up collecting—but it still reports negatively for up to 7 years. We guide you in correcting errors like inflated balances, improper interest charges, or misdated charge-offs. We also coach you on whether paying or settling makes sense for your situation, so you don’t waste money on a move that doesn’t help your score.

Repossessions—voluntary or not—can devastate your credit. We guide you in addressing inaccurate reporting, such as inflated deficiency balances, duplicate listings, and incorrect dates. Our process also includes coaching on how to recover faster with new positive accounts, so a repossession doesn’t define your financial future.

Bankruptcies are intimidating, but we walk you through a proven strategy.

The layered approach that we take you through—combined with legal partner support and bankruptcy law—makes removing the bankruptcy much more achievable.

Late payments can drop your score by over 100 points. We guide you in challenging reporting mistakes (like incorrect dates or payments misapplied), while also coaching you on goodwill letters, autopay setups, and positive trade line strategies to rebuild trust with lenders.

Too many hard inquiries within a short period of time can drag down your scores. We guide you in challenging unauthorized or duplicate inquiries, while teaching you how to minimize future pulls so lenders see you as low-risk.

Student loans are complex—but most contain errors. We guide you in correcting misapplied payments, duplicate reporting, or wrong balances.

We also coach you on federal solutions like rehab, consolidation, and forgiveness programs to get long-term relief.

Past-due child support can appear on your credit report and cause major damage.

We guide you in correcting wrong balances or outdated info, while coaching you on how to work directly with child support agencies to update your records.

Foreclosures can crush credit, but they’re often full of reporting errors. We guide you through correcting these and coach you on housing recovery strategies so you can prepare for approval again in the future.

Evictions usually show up as public records or collections. We guide you in correcting errors and coach you on rental-readiness strategies so landlords see you as trustworthy again.

Settled accounts should report as $0—but many don’t. We guide you in correcting errors like wrong balances or statuses, while coaching you on strategies to rebuild so your effort to settle actually pays off.

Identity theft is frightening, but you’re not alone. We guide you through disputing fraudulent accounts, filing proper reports, and securing your credit so it doesn’t happen again.

We teach you to make this a focus because your personal information is the foundation of your credit file. If it’s inaccurate or outdated, then it can link you to accounts that don’t belong to you or make disputes harder.

LexisNexis, a background database, feeds personal and public record information to the credit bureaus. Cleaning up both your credit reporting profile and your LexisNexis profile, amongst other background & public record profiles, is a crucial first step.

That’s why we guide you in disputing inaccurate personal info simultaneously with your general account disputes—so everything is corrected together for the strongest results.

You’re protected by powerful federal laws like the Fair Credit Reporting Act (FCRA), Fair Debt Collection Practices Act (FDCPA), and others. We educate you on these laws and show you how to leverage them using our Smart Credit Algorithm.

Here's a brief description of just some of the laws that can and will help you:

- Fair Credit Reporting Act (FCRA): requires accurate reporting, limits negative info, gives you the right to dispute.

- Fair Debt Collection Practices Act (FDCPA): prevents harassment & unfair practices by debt collectors.

- Fair Credit Billing Act (FCBA): protects against billing errors on credit cards.

- Equal Credit Opportunity Act (ECOA): prohibits discrimination in lending.

- Bankruptcy Code: governs how accounts included in bankruptcy must be reported.

There's even more laws than this that can help to support your disputes, including laws specifically for military personnel or veterans. Our role is to educate you on these protections and guide you through leveraging them inside the Smart Credit Algorithm.

Metro 2 is the credit industry’s reporting standard. If lenders or bureaus don’t follow it, accounts can be reported inaccurately. We guide you on how to use Metro 2 violations as leverage in your disputes.

No credit history? No problem. We guide you through proven starter strategies like secured cards, credit builder loans, and rent-reporting programs so you can establish credit the right way—without falling into traps.

Strong credit is about more than getting it—it’s about keeping it. We coach you on balances, payment strategies, and account mix so your score stays high and steady.

Higher-limit cards require trust. We guide you on keeping balances low, showing consistent on-time payments, and timing your applications so banks see you as a low-risk customer and are willing to roll out the red carpet for you.

Premium Membership unlocks the full power of DIY Credit. From custom ghost-written dispute letter templates to live coaching and business funding access, you get everything you need to transform your credit and financial future.

In addition to the advanced education that you receive, you also have access to:

- Complimentary custom ghost-written dispute letter templates

- Credit Analysis & Transformation Game Plan

- Weekly accountability/coaching calls

- Business Credit Builder Wizard

- Funding Network access

- Rewards Program

- Premium Online Community with direct advocacy support

- Charitable giving initiatives

The Business Credit Builder Wizard helps you establish and grow your company’s credit profile separate from your personal credit. It walks you step by step through vendor accounts, trade lines, and reporting so your business can qualify for loans, credit cards, and funding.

Our exclusive Funding Network connects you with lenders, credit unions, and private funding sources who specialize in helping members access personal and business funding.

Business credit = building your company’s credit reputation on your company's EIN. This includes business vendor accounts, various retail store accounts, and business credit cards. They should ALL be reporting to business credit bureaus.

Business funding = Capital - aka cash money or credit that can be converted to cash (either from a line of credit or a credit card). You use your business credit reputation to get capital.

We can help you do both strategically.

We only accept members ready to commit to the process. You qualify if you:

- Can set a 9–12 month plan for your goals

- Are very serious and committed to hitting all your goals by any means necessary

- Can follow instructions & stay engaged

- Have stable income to pay your current bills and avoid new negatives

- Are willing and able to maintain the necessary credit monitoring needed to track updates and progress

Not everyone is the right fit for our Credit Mastery Membership community — and that’s by design. We require a qualification step because:

- Exclusivity matters: We protect the integrity of our community by only admitting members who are serious about their financial journey and thus, who we feel confident that we can help.

- Compliance matters: As a consumer advocacy group (not a credit repair company), we ensure every applicant understands and agrees to how our community works before joining.

- Success matters: By qualifying first, we make sure you’re ready to receive the right tools, mindset, and support to actually succeed. When you succeed, we succeed and our reputation + member success rates continue to grow stronger.

This qualification step isn’t about keeping people out — it’s about ensuring that those who come in are fully prepared to win.

Joining is simple! You’ll need:

- To qualify for membership first

- Once qualified, you'll need a valid government-issued ID

- Proof of SSN (e.g., Social Security card or acceptable alternative)

- Proof of address (e.g., utility bill or acceptable alternative)

- Access to your SmartCredit™ credit monitoring account (here's the link + discount)

- A completed membership application

- An e-signed membership agreement authorizing us to assist you

- Your first month’s payment

Once you’re qualified, you’ll get immediate access to the community, your dispute portal, and all member benefits.

Apps like Credit Karma are useful for casual score tracking, but they don’t provide the detailed, dispute-ready reports required for our Smart Credit Algorithm™.

To take advantage of our hands-on assistance, members must use the credit monitoring platform that directly integrates with our system. (SmartCredit™) This ensures we can prepare custom ghost-written dispute templates, track updates, and guide you with precision.

The best part? Upon joining, you’ll receive access to this platform at a special discounted rate exclusive to members. Free apps are fine for casual monitoring, but they simply don’t support the advanced tools and support included in your membership.

The most important reason you wouldn't want to use this is because it helps the credit bureaus, not you. When you pull reports from annualcreditreport.com, the law gives them an extra 15 days to investigate disputes. That extra time makes it easier for them to verify negative accounts.

Instead, we require purchased reports through SmartCredit™, which keeps the bureaus on a strict timeline—while also giving you access to monthly updates including your credit scores.

Furthermore, free reports are limited snapshots—they don’t give you the updates or details needed to repair credit effectively. SmartCredit's™ monitoring gives daily alerts, monthly updates, 3-bureau coverage, and the tools that you and we need to guide your progress.

We require SmartCredit™ because it gives us the most accurate, up-to-date data each month to guide you through the Smart Credit Algorithm. Without reliable monitoring, we can’t assist you with creating or executing your personalized strategy.

Our Credit Mastery Membership is a partnership — we can assist with 99.9% of the heavy lifting, but your success depends on your participation too.

As a member, we expect you to:

- Complete your onboarding steps in a timely manner: This means e-signing your member agreement and submitting requested documents as quickly as possible if you're looking to receive hands-on assistance from our team.

- Mail your dispute letters in a timely manner: We prepare your custom ghost-written templates, but you must mail them promptly to stay on track.

- Share new collection letters and dispute responses with our team: We can help you reply to those correspondences in a timely manner.

- Protect your progress by:

- Paying all current bills on time.

- Avoiding new negatives like late payments, balance increases, or unnecessary inquiries.

- Paying down revolving accounts that are over-utilized (we’ll guide you on which ones).

- Refraining from closing any open positive accounts, especially those with 6+ months of history.

- Avoiding payments to inaccurate, unverifiable, or questionable collection/charge-off accounts unless verified with proper proof by law.

- Keeping your credit monitoring active: Maintain the monitoring platform that integrates with our system so we can guide you effectively without delay.

- Staying engaged in your journey: Open and read important emails, thoroughly read the guidelines and instructions provided to you round by round, and attend live calls. Actively participate in the community, ask questions, and stay connected.

- Seek guidance before making moves: Ask us before paying a negative account, before applying for new credit, or if you notice score changes and new/updated data that you don’t understand.

- Pay your membership dues on time each month to avoid interruptions.

- Maintain the right attitude: Stay focused, keep your eye on the end prize, and trust the process.

This is your Member Success Checklist, in a nutshell. When you do your part, we can guide you toward the best possible results, as quickly as possible.

Here’s the typical journey in a little more detail:

Day 1–2

– Complete application, e-sign agreement, upload ID docs, retrieve tri-merged credit reports & grant access to them

– Gain access to the community + onboarding videos ... also Receive access to your dispute portal (customized specifically for you)

Day 3–5

– Our team audits your credit report and prepares your Credit Analysis and Video reviews

Week 1–2

– You receive your strategic custom ghost-written dispute letter templates (ready to mail)

Weeks 2–6

– First round of disputes (35–45 days)

Ongoing

– Access to advanced educational content (via community posts + our "Learning" modules)

– Access weekly Q&A calls, accountability coaching, community support, and updates in your portal

– Stack loyalty reward points in the community and redeem them for cash and other gifts

– Rinse & Repeat until your goals are achieved

Months 6–12 (on average)

– Become a Credit Mastery U Graduate & Alumni Member

You can expect clarity, support, and real results—no broken overnight promises, but rather, a proven step-by-step transformation over time.

*Please note: This outline is simply a guide and timing may vary based on your responsiveness or lack thereof.

Credit repair isn’t instant—it’s strategic and usually takes a lot of back & forth. Each round (35–45 days) uses a different step, strategy, and/or tactic (or a combination of these things) in our Smart Credit Algorithm. This layered process steadily builds results and ensures compliance.

Scores can drop for many reasons: new inquiries, increased balances on revolving accounts, new late payments, or new & updated collections and more. We can help you to identify what caused the drop in your scores and guide you on how to recover quickly.

Each bureau (Equifax, Experian, TransUnion) is a separate business. They don’t share data and not all creditors report to all 3 of them, so your report and scores often look different. We guide you on how to address inconsistencies across all three.

No — the credit bureaus (or shall we say "credit reporting agencies") are not government agencies. They are private, for-profit companies (Experian, Equifax, and TransUnion) that collect, store, and sell consumer credit information. While they are regulated by federal laws like the Fair Credit Reporting Act (FCRA), they are not a part of the government.

This means they can — and do — make mistakes, which is why consumers have the legal right to review, dispute, and correct errors in their reports.

Our weekly accountability and coaching calls keep you on track, motivated, and moving forward. You’ll get live access to credit advocates and peers who share wins, ask questions, and get personalized guidance.

Because credit isn’t just numbers—it’s a journey. Coaching keeps you on track, while community support keeps you motivated. Together, they multiply your results.

Our Rewards Program thanks you for being an active member. Earn points for engagement, referrals, and participation, then redeem them for gift cards, cash, and other special perks.

You can earn Loyalty Reward Points by actively participating in your Credit Mastery journey and supporting the community. Points are awarded for things like:

- Engaging in the community: asking questions, commenting, sharing knowledge, and encouraging others.

- Celebrating wins: sharing your score increases, approvals, or account deletions.

- Attending live calls and events: showing up consistently pays off.

- Completing milestones: following through round by round in the Smart Credit Algorithm™.

- Consistency: logging in, staying active, and keeping your membership in good standing.

- Inviting friends or family to join the community.

- Following and engaging with us on social media.

- And much more!

Your points will quickly add up and can be redeemed for real rewards like gift cards, membership discounts, cash rewards, car/rent payments, or even huge booster perks when you graduate as a Credit Master. 🎉

Getting started is simple! You can join in one of two ways:

Free Community Membership – Instant access to our Free "Credit Mastery U" community

Premium Membership – Choose Gold, Platinum, or Diamond - just complete your application and start onboarding

👉 Join free or apply for premium here

We know — it might sound unusual to “qualify” for a membership. But there’s a reason!

Our Free Community is open to everyone who wants to start learning how to repair and build credit the right way. But our Premium Membership is reserved for individuals who are ready to commit to the process, stay engaged, and see it through.

We qualify applicants to make sure they’re a great fit — meaning:

- You’re ready to follow instructions, stay consistent, and trust the process.

- You understand that we must protect the integrity of our community, which is solely reserved for those who are serious and prepared to actively engage throughout the entire journey.

- You’ll make the most of your membership and respect the time of our advocates.

Even if you don’t qualify right now, you can still join our Free Community to start learning and preparing for success the right way.

We accept most major credit and debit cards (Visa, MasterCard, and American Express). We do not accept prepaid cards, Discover, cash, checks, or third-party processors like CashApp, Zelle, Venmo, ApplePay, or PayPal.

Memberships are billed monthly (or annually), on the same date you joined and Payments are processed automatically each month or year (unless you cancel ahead of time).

Yes—payment plans may be available for our Diamond membership only. Contact General Support via email for options and assistance.

Yes—you can upgrade or downgrade at any time. Just contact Premium Support for assistance.

If your payment fails, our system retries again automatically. If still unpaid after 3 more days, your account will be temporarily suspended until billing is updated. Meanwhile, you will lose access to all premium membership content and community areas, and all hands-on support will be paused until payment is received.

If your invoice still goes unpaid after a few weeks, then your membership will be automatically canceled.

Premium members can update their billing information during normal business hours by contacting Premium Member Support to request a payment update link prior to your payment processing. The support team can also update this information for you over the phone.

If your membership payment has already declined, however, then you may use the invoice link emailed and texted to you in order to update your billing information at any time (24/7).

Yes—Premium Members may request to place their membership on hold for up to 90 days per year, with possible extensions granted case by case. Hold requests can be submitted via email, text, or telephone.

Reinstatement depends on how you left your membership ...

- After a hold: You may resume anytime within the allowable hold period and pick up where you left off.

- After a cancellation: You must reapply for a new membership and start fresh.

You can reinstate anytime during your approved hold period (up to 90 days). Once the hold expires, your membership automatically resumes unless you cancel.

Yes! Many of our graduates choose to remain active in the Credit Mastery Community even after reaching Credit Mastery Graduate status. Staying connected allows you to continue building, protecting, and enjoying your financial freedom while accessing the same benefits you’ve come to rely on.

Graduates who remain in the Credit Mastery Community enjoy ongoing benefits such as:

- Exclusive Loyalty Reward point booster: a massive bonus added to your account at graduation.

- Exclusive Alumni membership discount: a massive discount for continued access to exclusive membership perks

- Become an Alumni Community Contributor: give back to the community by welcoming newcomers, sharing knowledge with them, answering questions, and encouraging others.

- Continued access to live Q&A calls for ongoing guidance.

- Ongoing monthly credit report audits, updates, and ghost-written templates and resources for any future needs.

- Community accountability + motivation from peers and advocates.

- Continued access to advanced financial tools, including business credit and funding strategies (Platinum & Diamond).

- Early access to new perks, rewards, and updates as they roll out, and more.

Graduation is the milestone. Membership is the lifestyle.

Cancel anytime—no contracts. Just send us a written request (email or contact form), and we’ll process your cancellation within 2 business days.

Yes—refunds are available under our 35-day, 70-day, and 90-day guarantees (restrictions apply, see membership agreement). Outside of these guarantees, payments are non-refundable.

Free (non-premium) community members and other consumers can:

- Search our HelpDesk FAQ Knowledgebase

- Post questions in the free community

- Submit questions through our website contact form

- Email: info@diycreditclinic.com (for general inquiries only)

👉 As for Premium members:

Direct telephone, text, community, and email (to our dedicated member support email) is reserved for Premium members only and are provided upon joining our Premium Credit Mastery Membership community.

Support for non-members is available 24/7 by our well-trained and knowledgeable AI agent.

Our member support team, however, is available via text and email Monday–Friday, 9:00 AM to 6:00 PM EST. Member support is available via telephone Monday–Friday, 10:00 AM to 4:00 PM EST.

Messages received outside of normal business hours are typically answered within the next 1-2 business days.

Yes, slightly—holiday closures, scheduled training days, and our year-end shutdown will pause all hands-on support and processing. Everything resumes once normal business hours return.

For security and compliance purposes, only the membership account holder may manage their membership—unless the member:

- is on active duty military out of the country, and provides an authorized contact to speak on his/her behalf;

- is part of a joint membership where both members are authorized to manage one another’s accounts unless an explicit request is made to restrict access.

DIY Credit is not a credit repair company—we’re a credit advocacy group. That means:

- We teach and guide our members through a proprietary strategically designed process called the Smart Credit Algorithm proven to deliver results like no other.

- We don’t have you drag out your disputes or nickel-and-dime our members.

- We provide true value, including the introduction and involvement of our legal partners from the very beginning.

- We offer loyalty rewards, community coaching, and charitable impact.

- Our memberships are far more affordable while providing far more value.

- These are just to name a few ... there's so much more to add but hopefully, you get the idea

Yes! Our Credit Mastery Membership is available to consumers nationwide across all 50 states.

Our online community, digital tools, and cloud-based support make it easy for members anywhere in the U.S. to receive full access to the same education, templates, guidance, and advocate support — without ever needing to visit an office.

We’ve proudly served members from coast to coast, helping individuals and families take control of their financial futures.

We are not a credit repair company. We do not dispute items for you, but we do guide you on the use of our proprietary Smart Credit Algorithm dispute process. Everything is very transparent. You are always in control of your own process. We guide, coach, and support you with tools, strategies, community, custom ghost-written dispute letter templates, print and mail prep services, and much more.

Giving back is core to who we are. A portion of proceeds are donated to charities supporting children’s hospitals, education, and families in need. Members may also have opportunities to participate in community impact projects.

For more frequently asked credit repair or other credit-related questions and answers, please click here to open our help desk knowledgebase in a new window.