Free Credit Action Toolkit
Answer a few questions and get a personalized, step-by-step plan to raise your credit toward a mortgage, plus ready-to-send dispute letters you fill in and mail yourself. Free, private, and yours to keep.
100% free · nothing stored · do-it-yourselfWhere is your credit right now?
Your best estimate is fine. This never leaves your browser.
What is on your credit report?
Pick all that apply. This shapes your plan and which dispute letters you get.
How is your recent payment history?
Lenders weigh the last 12 months heavily. Honest estimates are fine.
When do you want to close?
This sets the pace of your plan.
Your information
This fills your dispute letters so they print ready to mail. It stays on your device.
Add the accounts to dispute
Add each account you want to dispute. We generate a filled letter for each one.
Your dispute letters
Dispute letter
Fill in the bracketed parts, print, and mail to the bureau by certified mail. You can dispute free, yourself, directly with the bureaus. You never have to pay anyone to do this.
Your action plan, ranked by impact
Do-it-yourself guides
Pull your 3 reports free
You are entitled to free reports from all three bureaus.
How
Go to AnnualCreditReport.com, the only federally authorized source, and pull Equifax, Experian, and TransUnion. Review each for errors, accounts you do not recognize, and balances that look wrong. This is the first step and it costs nothing.
The utilization fast win
Paying cards below 30% often helps fastest.
How
Bring each card and your total balance under 30 percent of the limit, under 10 percent is even better. Utilization updates every month, so this is usually the quickest score mover. Ask your lender about a rapid rescore after you pay down.
How a dispute works
The bureau must investigate, usually within 30 days.
How
Mail your dispute letter by certified mail. Under the Fair Credit Reporting Act the bureau must investigate and remove or correct anything it cannot verify, generally within 30 days. Keep copies of everything you send.
Collections, the smart way
Get any agreement in writing before you pay.
How
Validate the debt first, confirm it is yours and within the time limit. Never pay on a verbal promise. Get any settlement or pay-for-delete agreement in writing before any money changes hands.
Want a person in your corner?
Optional. An LRG advisor can review your plan with you and map the path to a mortgage. Free, no credit pull, no obligation. Your plan and letters above are yours either way.
We only use this to reach out about your homebuying path. Your credit answers above are not sent.
