Finally, a credit repair solution that actually works

I know you’re pretty fed up with your credit score at this point

It sucks, right? Trying to live your best life but constantly restricted by your credit score.

Since almost everything requires a credit check, living with a low credit score can leave you stuck.

You can’t do or buy what you want because your credit is holding you back.

No matter how hard you try to dodge credit checks, you just can’t seem to move forward in life…

You can’t buy a house or refinance your loan for a better rate…
You can’t get approved for an apartment…

Or get a new car at monthly price you can actually afford…
Or get approved for a decent credit card…

…because of your credit score.

Rejected applications.
High security deposits.
When you have a bad credit score, it comes with the territory. And it’s incredibly frustrating.

You can’t keep living like this.

You can’t stay tied down by the chains of bad credit. You can’t keep limiting your options based on your credit.


Picture your future self, credit repaired, with a score in the high 700s.

You breeze into the bank one sunny Tuesday morning and deliver a loan application to the loan officer.

Maybe it’s for your dream house.
Or for the business you’ve always wanted to start.

A few minutes later, the loan officer comes back.

Wow, that was fast.

“Congratulations,” the loan officer tells you. “You’re approved.”

You didn’t have to jump through hoops.
You didn’t need a ridiculously high down payment.
You didn’t have to beg someone to cosign for you.
You were approved, just like that.

Thanks to your good credit score.

The feeling you get when you hear the words, “You’re approved…”

…That’s Freedom.

Freedom to make your own decisions. Freedom to reach your goals. Freedom from the stress of having bad credit.

There’s Nothing “Special” About People With Good Credit

People with good credit aren’t lucky.

Many aren’t rich.

They just know the things it takes to get better credit. And you can too.

You can find out exactly what it takes to overcome bad credit in The Ultimate Credit Repair Kit.

The Ultimate Credit Repair Kit was created so that people like you

… who don’t know much about credit
… who have some past credit mistakes
… who feel a little intimidated by giant credit bureaus

…Can easily raise your credit score and take control of your life.

You don’t have to stare at your screen for hours reading dozens of articles racking your brain trying to figure out how to apply the strategies through your own trial and error.

The work has already been done for you.

All you have to do is follow the steps. And they’re pretty straightforward.

The Four Incredibly Simple Steps to Repairing Your Credit

Step 1: Order your credit report

Your credit report is the source of the information that’s making you have “bad” credit. Once you see what’s in your credit report, you’ll know exactly what’s holding you back.

Don’t buy your credit report.

You can get free credit reports through once every 12 months.

Simply enter your information on the website and your credit reports are available for download right away. Easy enough, right?

Step 2: Spot the things that are wrong

You get to wear your detective cap for a few minutes, scouring your credit report for what’s hurting you. Damaging information includes things like late payments, charge-offs, high balances, and so on.

Don’t worry if you don’t know all the things that can affect your credit score.

The Ultimate Credit Repair Kit shows you exactly how to spot the tricky little things weighing your credit score down.

Step 3: Fix the negatives

This is where The Ultimate Credit Repair Kit delivers unbeatable value. Once you know the things hurting your credit, the steps in the kit will help you fix them.

Step 4: Monitor your credit

You’ll use a free credit score app to see changes to your credit report as often as every day.

Once you see your credit score going up – and it will – you’ll know it was worth it.

Ready to get started? Purchase The Ultimate Credit Repair Kit now.


Sorry to Give You Bad News, But You Can’t to Google Your Way to The Answers

At this point, you might be tempted to hit the back button and go back to searching for a solution.

Warning: if you go that route, you’ll just spend more time searching until you eventually give up.

Search if you must, but you won’t find anything that comes close to telling you exactly how to repair your credit the way it’s outlined in The Ultimate Credit Repair Kit.

The Ultimate Credit Repair Kit transforms generic, one-size-fits-all credit repair information and makes it super specific and actionable.

Each type of negative account you might deal with has its own section, its own set of instructions, and sample letters to deal with that specific type of information.

Careful attention to detail elevates The Ultimate Credit Repair Kit above the alternatives.

Created by an Expert With Over a Decade of Experience in Credit and Personal Finance

Hi, I’m LaToya Irby, a credit expert, the founder of, and creator of The Ultimate Credit Repair Kit.

I’ve been writing and educating on credit and personal finance for over a decade, publishing hundreds of articles and reaching millions of people. I’ve contributed expert quotes to major publications including The New York Times, USA Today, Black Enterprise, and Associated Press.

I created The Ultimate Credit Repair Kit using the techniques I’ve used improve my own credit score and strategies I’ve recommended to friends, family, and readers for years! The techniques I teach you are legal, effective, and easy for even beginners.

Hiring a Credit Repair Company Would Be a Waste of Money

The credit repair industry wants you to believe credit repair is hard.

They want you to believe they have a special set of skills that allows them to get things off your credit report.

As long as the public thinks they don’t have any power over their credit..

..Or that credit repair is too hard..

..Or that it takes too much time..

…People will keep shelling out their hard-earned cash for unreasonably-priced, unnecessary credit repair services.

Tell me this…

Do you know how to copy and paste?
Can you backspace over something and then type new information in its place?
Can you print?
Fold a letter, put it in an envelope, and mail it?

Of course you can!

I don’t ask you these questions to be condescending.

I just want to show you that you can do the EXACT same thing credit repair companies do and you can save a ton of money by doing it yourself.

This is the ONE “Secret” Credit Repair Companies Have

Credit repair companies brag about their results (but who knows if they’re even real).

What they don’t tell you is that their one and only strategy (dispute letters) doesn’t always work.

I know this because I’ve had dozens of clients come to me desperate for help after sinking months

and hundreds of dollars

into a credit repair company without seeing their credit score budge a single point.

It doesn’t take a genius to dispute information.

Remember, credit bureaus are the companies that control your credit report. You didn’t ask them to do this for you.

They decided go into the business of collecting and selling consumer information to make it easier for banks and other businesses to make decisions about us.

Legally, credit bureaus are only allowed to report information that is accurate, completely, and timely.

Anything else has to be removed, but only if you let them know your credit report isn’t accurate.

This law is what credit repair companies attempt to use to clean up your credit report.

There’s nothing special about this – it’s your legal right to have an accurate credit report.

(Credit repair companies are required to explain this to customers. If you come across one that doesn’t tell you about your FREE right to dispute credit report errors, RUN! They’re probably going to charge you upfront, too, something that’s also against the law.)

Credit Repair Companies Would Never Tell You This…

Disputes won’t fit every situation.

If the information is accurate and can be proven, credit bureaus don’t have to remove it.

So what next?

Your credit repair company doesn’t have any other strategies to help you.

They’ll either keep charging you to send disputes until the credit bureaus won’t accept the disputes anymore, or you finally give up and move on to another solution (many people accept defeat at that point, believing their credit is hopeless).

Dispute Letters Aren’t the Only Credit Repair Strategy. I’ll Show You More.

For instance, a credit repair company would never tell you about pay for delete or debt settlement because it doesn’t fit their business model.

But these are strategies you absolutely can use to get things off your credit report or to pay off high balances at a discount.

The Ultimate Credit Repair Kit not only tells you the best situations to use these strategies and several others, but also shows you how to do them. purchasebutton

What’s in The Ultimate Credit Repair Kit?

The Ultimate Credit Repair Ebook is 80+ pages of insider information on credit reports, credit scores, credit bureaus, and what it really takes to repair your credit.

It’s broken down into sections tell you:

  • The seven best credit repair strategies and when to use them
  • How you can get started, even today
  • How companies calculate your credit score
  • What does and does not affect your credit score
  • How to get positive tradelines to rebuild your credit

The Ultimate Credit Repair Workbook includes printable worksheets and template letters you can print and customize to sail through your credit repair. The workbook includes:

Credit Goals Worksheet. This is your roadmap and how you can make sure you’ll stick to your credit repair, no matter what.
Credit Repair Action Plans. The Action Plan Worksheets help you organize your credit repair plan so you clearly see the order of your steps.
9 Specific Dispute Letters that don’t require a ton of tweaking or rewording.
Letters for Debt Collectors. Collection agencies are a different beast. I’ve included sample letters to stop them from calling you, to force them to send you proof of debts, and to negotiate a settlement.
Pay for Delete and Goodwill Letters. I’ll walk you through the best times to use these two strategies and give you sample letters to use with your creditors.

Learn the Rules and Win the Credit Game

Did you know that negative information can only stay on your credit report for a certain amount of time?

It’s the law.

If time is up or close to it, you may be better off NOT TOUCHING the account at all. Not with a dispute letter or a payment, or anything.

Did you know that you can request PROOF of a debt from a collector?

If they can’t show it, they can’t continue collecting from you!

All it takes is a few well-timed letters sent via certified mail to get rid of debt collections completely.

You can stop the calls, the letters, and block collectors from reporting any debt they can’t prove is yours.

Did you know that every business that’s involved with your credit is regulated by a government agency?

Complaining about a company that’s violating your rights can force the company to clean up its act and fix errors with your credit report.

As much as I’d like to help everyone achieve an excellent credit score, I have to admit The Ultimate Credit Repair Kit isn’t for everyone.

This is a self-guided, DIY credit repair solution. Even though I’ve made it insanely simple, some who read this would still rather chance it on a credit repair company or just suffer their bad credit until the negatives fall off in 7 to 10 years.

Those with “thin” credit files need to build not repair their credit. “Thin” credit means your credit doesn’t have many open accounts. That’s why your credit score is low. The Ultimate Credit Repair Kit is for cleaning up negative items on your credit report AND adding new accounts.

For everyone else, I don’t have a single doubt that these steps will help you improve your credit.

Buyers have had success over and over.

Get started today. Results in as little as 30 days.


Get Positive Payment History On Your Credit Report

People with excellent credit all have TWO key things in common.

They have no negative information on their credit reports.

They have a positive payment history close to 100% on time payments.

Payment history is the biggest factor in your credit score. That means on-time payments are a must for a good credit score.

I’ll guide you through the steps of getting new positive tradelines on your credit report and show you the best places to get approved, no matter where you are in your credit repair journey.

You can start rebuilding your credit score even before you’re done removing all the negative information.

And, I’ll show you what you have to do to keep a good credit score once you have it.

How Much Is Good Credit Worth to You?

Good credit will put you in an elite group of people who are able to save literally thousands of dollars in interest, fees, and other costs just by having a good credit score.

You can’t put a price tag on the freedom and peace of mind that comes with knowing you can get approved for things without jumping through hoops.

Ready to Buy?

As you’ve seen already, The Ultimate Credit Repair Kit is currently on sale for an insanely low price of $27!

For less than the cost of a nice dinner, you’ll get expert credit repair advice and tools to repair your credit.

Your purchase includes:

The Credit Repair ebook that teaches you seven different strategies for dealing with negative information and the best time to use each strategy.

FIVE Action Plan Worksheets and The Credit Goals Worksheet to set your goals and keep track of your credit repair efforts.

NINE Template Letters you can tweak to fit your situation.

+ 3 Exclusive Bonuses to Keep You on Track

  • Credit Report Dispute Tracker so you can quickly and easily tell the where you are in the dispute process
  • Monthly Credit Plan to set your credit score goals for each month
  • Financial Checkup Worksheet to figure out how to get your finances AND your credit in the best shape possible.

All of this is available as an instant access download. Plus you’ll receive an extra copy of your purchase directly to your inbox.

Get Free Email Product Support just in case if you’ve lost your download or you have questions about the product itself.

Enjoy a 14-Day Money Back Guarantee. I encourage you to start using The Ultimate Credit Repair Kit right away so you can start seeing results. But free free to take the next two weeks to go through the kit and decide whether it will work for you.

If not, just send an email requesting a refund and I’ll process it.

Don’t spend another unnecessary day battling the struggles of having bad credit.

Start working on your credit today and start seeing results in as little as 30 days.



The Ultimate Credit Repair Kit is available as an instant download. I’ve partnered with Send Owl for product delivery. After payment, you’ll be taken to a product page where you can download right away and you’ll receive your download to the email address you used for payment. If you have trouble accessing your download, send an email to hello @ and I’ll email your purchase directly.
You have 14 days to decide whether The Ultimate Credit Repair Kit is going to work for you and request a refund if it won’t. If you’ve purchased email coaching with your kit, I’ll refund you in full as long as I haven’t started answering your questions. You do not have to initiate a dispute through Paypal or a chargeback through your credit card company to get a refund. I promise I will not make it hard for you. It’s easier and faster for me to refund you if you reply directly from the email that contains your download. Otherwise, simply send an email to hello @ let me know the date you purchased and the email address you used for purchase and I’ll process your refund within 72 hours.
Send support questions or feedback to hello @ even if you haven’t purchased email coaching. If you have not purchased email coaching, I can only promise answers to questions about the product itself, e.g. clarification on something or a page not displaying properly.

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