System + human checkpoints
Automated dispute apps will sell you software alone for about $40 a month. The DIY Dispute System is the same self-directed work with the two things software cannot give you: a written system built by people who run dispute rounds every week, and a human being who reads your file every quarter and tells you what the software missed.
- The guided dispute-letter library — bureau, furnisher, validation, goodwill and method-of-verification letters, each with a "state only what is true" instruction block
- The Dispute Letter Playbook included (see Guides)
- A monthly group walkthrough / Q&A session
- One human file review per quarter — your rounds, your responses, your next steps
- Your own monitoring, your choice of provider (see Monitoring)
The boundaries, stated plainly
DIY means you send the letters. The moment our staff send a letter on your behalf, you are a full-service client and must be papered as one — the portal is built so staff cannot send on a DIY account. Advice and assistance with disputing are still credit repair under federal law even when you do the mailing, so the DIY tier carries the same disclosures, the same written agreement, the same three-business-day cancellation right and the same arrears billing as full service. We do not market DIY as "not credit repair" — regulators judge function, not labels, and so do we.
Pricing is stated in writing before enrollment, month-to-month, cancel any time.
The honest fine print — up front
You can dispute credit report errors yourself, for free, without paying any company — the federal AnnualCreditReport.com site and the Consumer Financial Protection Bureau explain how. No credit repair company, including Fiscally Fit, can remove accurate, current, verifiable information from a credit report, and no one can legally promise you a specific credit score, a deletion, or a date by which your credit will change. We sell the work, the organisation and the follow-through of disputing information you believe is inaccurate, incomplete or unverifiable — never an outcome. Fiscally Fit is a credit services organisation, not a law firm, tax advisor, mortgage lender or debt settlement company, and nothing on this site is legal, tax or investment advice.