CreditEvolve • DIY Credit Tools

You DO want to work on your credit.
You don't want another monthly bill.

You just want help working toward better credit scores. CreditEvolve gives you tools to take the next step yourself — starting with a free Credit Game Plan and your first round free.

Get My Free Plan & First Letter Watch How It Works

No credit card required. Full toolkit: $99 for 12 months. No automatic renewal.

See how it works90-second walkthrough — video coming soon

In the meantime: every screenshot on this page is the real, live product.

A Setback Doesn't Tell Your Whole Story

You're stable now. You're looking ahead.

A job loss, a divorce, a medical collection, or a mix-up in your personal details may have left you with questions about your credit report. Now the bills are current, your income is steady, and you have something specific you're working toward.

Whether you're planning a mortgage pre-approval in the next 6–12 months, preparing for an auto loan, or simply tired of explaining your score, start by understanding your report and organizing what to do next.

Your First Steps Are Free

Understand your report. Make your next move.

You want to know what you're working with before you pay. Start with a free Game Plan and first letter, then decide whether the full toolkit fits your needs.

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Build your free Game Plan

Turn your goals into an organized 90-day plan. See what to focus on first and keep your next steps in one place. Always free.

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Start your first round free

Round 1 is a Personal Information Correction letter for each bureau, to address inaccurate personal details on your credit report.

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Understand your report

Import your first report and get a plain-language summary of what's actually on it, plus a quick check that your address matches across all three bureaus.

Ongoing learning

We don't just give you tools — we teach you how to use each one. Whenever you see a question mark, open it for a tip or video to help you get the most out of every letter.

Get My Free Plan & First Letter

Not a Mockup

Here's the actual product.

Real screens, from a real account — one member's actual path from a 7-year-old collection to a cleared report and a 30+ point score jump across all three bureaus.

The guided mode first screen, asking where the member is in their dispute process so it can recommend the right letter.

Tell us where you are

Answer one question and guided mode tells you exactly what to send next — and why. No guesswork.

The full letter selector grid, showing the dispute and response letter library with short descriptions and badges like Most Popular and Start Here First.

Or pick exactly what you need

Our full letter library at a glance, each one labeled for the situation it fits — straightforward, not overwhelming.

A generated Section 608 dispute letter, addressed to Experian, disputing a collection account past the 7-year reporting limit.

A real letter, written for you

Pick a situation, answer a few questions, and CreditEvolve drafts the letter — citing the actual FCRA section that applies.

The report import screen, confirming a first report was saved privately on the member's own device.

Import your report privately

Select your report file and it's read entirely in your browser — nothing uploaded, nothing stored on our end.

A What Changed report showing credit scores up 36, 30, and 33 points across TransUnion, Experian, and Equifax, and a collection account no longer reporting.

Watch it actually work

Import again later and see exactly what changed — score movement, what cleared, what's new.

The My Letters dashboard, listing which letters were sent, to which bureau, and their follow-up dates, with a note that letter content and personal details are never stored.

Every letter, tracked automatically

See what you've sent, who it went to, and when to follow up — we track the metadata, never the content.

A Clear Price. A Decision You Control.

One payment.
12 months of tools. $99.

Get our full letter library — every letter we have now and every one we add later — unlimited report imports, searchable letter history, and follow-up reminders. Pay once for 12 months of access. No monthly software charges, no per-letter fees, and no automatic renewal to remember to cancel.

Credit reports and monitoring are separate. CreditEvolve doesn't bill you for monitoring — the letter builder and your Game Plan work with no report at all. For the plain-language summary and month-over-month tracking, the import tool reads IdentityIQ's tri-merge export format specifically; that's the one we support today.

$99 / year

One payment, plus applicable taxes

Our full letter library — including every future addition
Unlimited IdentityIQ report imports
Month-over-month change tracking for your IdentityIQ reports
Searchable letter history and follow-up reminders
30-day refund, no questions asked

Start with your free Game Plan and first letter. Upgrade only when you're ready.

Get My Free Plan & First Letter

Help On Your Terms

Do it yourself. Get a boost when you're stuck.

Both come from the same team. Work through it yourself, or bring in a second opinion when you hit a wall.

Do It Yourself

CreditEvolve

Keep working on your own while you have things under control — the tools, your pace, $99 a year.

Start free →

Expert Consultation

When You Need a Boost

Stuck on a dispute, got a confusing response from a bureau, or just want someone to sanity-check your next move? Book a $49 consultation on your specific credit repair journey — one conversation, not a handoff.

Request a conversation →

A few things you may be wondering.

What do I get for free?

Your 90-day Credit Game Plan, Personal Information Correction letters for all three bureaus that you can review, edit, and download, and one report import. No credit card is required, and we never ask for one before your plan and letters are in your hands.

Will I be charged automatically?

No. Upgrading is one $99 payment, plus applicable taxes, for 12 months of full access. There is no automatic renewal; you choose whether to continue when your access ends. Not what you expected? Ask within 30 days and you get a full refund.

Is my information safe?

Your credit report and the personal information used to build your letters are processed entirely in your browser, not sent to our servers — we couldn't hand it over in a breach even if we wanted to, because we never have it. See our Privacy Policy for details.

Do I have to use IdentityIQ?

Not for the letter builder or your Game Plan — those don't need any report at all. For the plain-language summary and month-over-month tracking, our import tool currently reads IdentityIQ's export format specifically.

What if I get stuck?

Book a $49 consultation specific to your credit repair journey — a second opinion when you hit a wall, not a handoff of the whole process. Optional, priced separately, and you can keep using CreditEvolve on your own without it.

You DO want to work on your credit.You don't want another monthly bill.