⚖️ FCRA-Based DIY Disputes—Easy as 1-2-3.
DIY-Demand Proof of Your
Credit Report Errors.
— Send Powerful FCRA Dispute Letters to All 3 Credit Bureaus.
The FCRA gives you the right to require Experian®, Equifax®, and TransUnion® to verify questionable items—or remove them. Simply enter your SmartCredit® email, review your report, click Confirm My Details & Get Started, and generate your Dispute letters in minutes. Mail them out and expect bureau responses.
Step 1: Enter Your SmartCredit® Email
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🔒 Secure & Private
⏱️ Credit bureaus’ response times vary
✅ All 3 Major Bureaus
Dispute Accounts & Track Your Scores
As Easy as 1-2-3!
1
Step
Enter your email above to start the secure authentication process or sign up for a SmartCredit® account and access your 3-bureau credit report!
2
Step
Review your Expert Credit Analysis to uncover what’s holding you back, and start building the strong credit you deserve.
3
Step
Get your Dispute Letters and send them to all 3 major credit bureaus.
Danny really knocked it out of the park for me! My credit is up 83 points and counting!I'm recommending him to everyone i know
Danny is the best you can go to!! Honest, reliable and the communication is always there wether you have a simple question or he's calling or texting to update you. I struggled for years with a low 600 and believe it or not less than 30 days after first consultation I'm now in the mid 700 club! HIGHLY RECOMMENDED!!!
Danny and Jr are amazing! They work with you and keep you updated on every single detail which I appreciate. They have help my husband and I fix our credit. We have seen a big difference. We recommend them 110%.
This business may have been shut down ... that would be a good thing . Empty promises , ineffectual methods , excuses , a waste of money and valuable time . Do not believe Danny...!
Very nice consultation! Jr look at my report and told me very clearly for what I should do. He told me that my problem can just done by myself to make some phone calls to the financial department. And he told me how to say and step by step. Very nice, very patient, very kind of people! JR! Thanks!
Danny has excellent customer service he is honest and gives you genuine advice. So grateful for all his help.
I can't say enough great things about my experience with Dan. I originally reached out after finding him on Yelp, hoping for some help with my credit--but what I received went far beyond that.From the very beginning, Dan took the time to schedule a full call with me where he thoroughly reviewed everything and explained what was impacting my credit. He was incredibly patient, knowledgeable, and never once made me feel rushed or overwhelmed. What really stood out to me is that he didn't ask for a single penny upfront--not even a credit card on file--until he had done the work, prepared everything, and had it ready to send out.
The results honestly speak for themselves--Dan helped raise my credit score by 101 points. He identified old mortgages that were still showing as active, along with other items that were negatively affecting my score that I didn't even realize mattered.
Beyond that, his follow-up and follow-through have been absolutely outstanding--something you just don't see very often anymore. He has continued to be available, answering questions and even helping guide my family members as well. It's clear that he genuinely cares about helping people, not just providing a service.
If you're looking for someone trustworthy, thorough, and truly willing to go above and beyond, I highly recommend Dan. He did so much for so little, and I am incredibly grateful for everything he's done for me.
Thank you again, Dan--I truly appreciate you!

From the very beginning, Dan took the time to schedule a full call with me where he thoroughly reviewed everything and explained what was impacting my credit. He was incredibly patient, knowledgeable, and never once made me feel rushed or overwhelmed. What really stood out to me is that he didn't ask for a single penny upfront--not even a credit card on file--until he had done the work, prepared everything, and had it ready to send out.
The results honestly speak for themselves--Dan helped raise my credit score by 101 points. He identified old mortgages that were still showing as active, along with other items that were negatively affecting my score that I didn't even realize mattered.
Beyond that, his follow-up and follow-through have been absolutely outstanding--something you just don't see very often anymore. He has continued to be available, answering questions and even helping guide my family members as well. It's clear that he genuinely cares about helping people, not just providing a service.
If you're looking for someone trustworthy, thorough, and truly willing to go above and beyond, I highly recommend Dan. He did so much for so little, and I am incredibly grateful for everything he's done for me.
Thank you again, Dan--I truly appreciate you!
Danny is THE MAN! He did an astounding job and helped me raise my credit score by a very large amount of points. He explained the process, and regularly stayed in contact with me throughout. I'm extremely happy with his service and professionalism and would highly recommend him to friends and family. If you need help boosting your credit score, don't hesitate in reaching out to Danny with Fix My 3 Scores. Thanks for everything you did for me!



Why DIY Credit Disputes Make Sense
Use your FCRA rights to create organized, bureau-specific dispute letters without waiting weeks or paying monthly agency fees.
⚖️
Prove It or Remove It
The Fair Credit Reporting Act requires bureaus to verify every negative item is accurate, verifiable, and timely.
⚡
Dispute Letters in Minutes
No more waiting weeks or months or paying monthly fees. Generate accurate, personalized dispute letters within minutes of linking your SmartCredit® account.
🗂️
Separated by Bureau
Your disputes are automatically organized and tailored for each bureau: TransUnion®, Experian®, and Equifax®.
*Instructions included on how to send your letters to the credit bureaus.
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Privacy First
Your privacy comes first. We don’t store your credit report or personal information on our servers.