Credit Audit is live — your battle plan in 48–72 hrs →
Live·The DIY credit dispute system — FCRA, FDCPA & FCBA

Your report has errors.
Here's exactly how to dispute them.

The same dispute system credit-repair companies charge $150/mo for — 8 modules, 14 ready-to-send letter templates, and a 30/60/90 day action plan. Yours once for $7. Or have us build a custom Credit Audit from your actual report.

2,400+
students enrolled
$1,400
avg saved vs credit repair
4.8 ★
verified rating
48–72 hrs
audit turnaround
Or get the Audit — $77

✓ No credit pull  ·  No subscription  ·  Instant access after payment

256-bit encryption FCRA-compliant Secure checkout Instant download 48–72hr audit turnaround

Everything you need to fix your credit.

One platform. Three ways in.

Curriculum
00
Foundation
01
Laws
02
Disputes
03
Collections
04
Rebuild
Module 02
Dispute Letter Templates
14 ready-to-customize letters — fill in your details, send, track.

8-Module Course

The full curriculum — from pulling reports to rebuilding. Finish in a weekend.

Templates
MOD 02
Your Name
123 Main St
Apr 2026

Equifax Information Services
P.O. Box 740256

Re: Dispute of Inaccurate Information

I am writing to dispute the following information I believe to be inaccurate, incomplete, or unverifiable…

14 Letter Templates

Bureau disputes, debt validation, inquiry removal, goodwill. Fill in, send.

Action plan
Day 1–30
Pull reports
Match templates
Send round 1
31–60
Review results
Follow up
Adjust
61–90
Rebuild habits
Add tools
Next goal

30/60/90 Plan

Know what to do in each phase. No more guessing what's next.

New service$77
PDF
equifax_report_2026.pdf
82%
Redacting identifiers
Name
SSN
Address
Account
Score—
BureauEquifax
Items14 flagged
Safe to review

Personalized Credit Audit

Upload your credit report — even just one bureau works (Equifax, Experian, or TransUnion). Personal identifiers are removed first. Then a custom 30/60/90 plan is built around your exact file. 48–72 hour turnaround. Course included.

01
02
03
Reviewed step-by-step — FCRA, FDCPA, and FCBA dispute procedures applied to your exact file.
Next upIn the lab
credit protocol. Business Credit
•••• •••• •••• 2026
YOUR BUSINESS LLC
Member since 2026
cp
Course + playbook + our own Credit Protocol Business Card — all in one drop.

Business Credit Protocol.

The advanced curriculum. Entity formation, D-U-N-S, Paydex 80, Tier 1–4 vendor sequencing, and the Credit Protocol card — available to qualifying businesses once the program launches in 2026.

How it works.

Three paths in. One structured process out.

01

Pick your path.

Course for the DIY route, Audit if you want a plan built around your exact report, or waitlist the Business tier.

Course$7
Audit$77Popular
BusinessSoon
02

Get instant access.

Course buyers get all 8 modules and 14 templates the moment your payment is confirmed. No email delay.

Payment successful

Your course is ready.

Download now
03

Upload or start.

Course buyers start with Module 00. Audit buyers upload their report — personal identifiers are removed, then we apply FCRA law to every item and build your plan.

Upload your report
Drop PDF or tap to upload
04

Execute the plan.

Send round one. Track responses. Adjust. The plan moves with the 30-day legal window bureaus have to respond.

30
60
90
4.8 / 5 · Verified customer reviews
Marcus T.Verified
Apr 2026
Finally understand what I'm doing

The Module 2 letter templates alone were worth the $7. I stopped second-guessing every word. Sent my first round certified and saw movement within 45 days. Structure > guessing.

Jasmine P.Verified
Mar 2026
Cancelled my $150/mo credit repair sub

Was paying a credit repair company $150 every month. Realized they were doing the exact same letter workflow this teaches. Cancelled the subscription, kept the money. Wish I'd found this a year ago.

Alyssa R.Verified
May 2026
The audit was a game changer

Went with the $77 audit because I didn't know where to start on my own. Got a plan back in 2 days with exactly which items to dispute first and which templates to use. Way easier than DIY for my situation.

First names only — full names kept private per our privacy policy. Verified purchases.

The reason this exists
Credit Protocol From the founder
"After nine months and $1,600 paid to a credit repair company, I asked them exactly what they were doing — and they described a process documented on the FTC's own website."

The Fair Credit Reporting Act gives every consumer the direct right to dispute inaccurate, incomplete, or unverifiable information with the credit bureaus. Bureaus are required to investigate within 30 days. The dispute letters are templates. The sequencing is a learnable system. None of it requires a monthly subscription to a third party.

Credit Protocol was built on one principle: this education should not cost $150 a month. It should be documented clearly, priced fairly, and owned permanently. Eight modules, fourteen letter templates, and a structured 30/60/90 plan — the same process, at a one-time price.

$150/moWhat credit repair companies charge
$7One time. Forever yours.

Transparent pricing. No surprises.

One-time payments. No subscriptions, no hidden fees, no recurring charges.

Course
Credit Protocol
$7
one-time
The full DIY curriculum. Everything you need to run the process yourself.
  • 8 modules — foundation to advanced
  • 14 letter templates — bureau disputes, collections, goodwill
  • 30/60/90 plan — structured action cycles
  • Instant download, yours forever
Most Popular
New service
Credit Audit
$77
one-time
Custom letters + all 8 modules included · One payment, not $150/mo
Upload your report — even one bureau is enough. Your 30/60/90 plan is built around your exact file. Course included.
  • Everything in Course included
  • Analyzed against FCRA, FDCPA & FCBA dispute procedures
  • 1 bureau is enough — Equifax, Experian, or TransUnion
  • Personal identifiers removed before review
  • 30/60/90 plan built on your exact file
  • 48–72 hour turnaround via email
Get an Audit
Coming 2026
Advanced
Business Credit Protocol.
$100k+ in business credit
No personal guarantee · EIN-only approval path
The complete business credit curriculum. Entity formation, D-U-N-S registration, Paydex 80 playbook, Tier 1–4 vendor sequencing, and the exact card issuers that approve under your EIN — without a personal guarantee.
  • LLC + EIN setup done the right way
  • D-U-N-S + 80 Paydex playbook
  • Tier 1–4 vendors — exact list, exact order
  • Net-30 → 5-figure cards in 6 months
  • Early-bird pricing for the waitlist
Join the Waitlist →
What's included Course — $7 Audit — $77 ★ Business — 2026
8-module course ✓ ✓ ✓
14 dispute letter templates ✓ ✓ —
Personalized 30/60/90 day plan — ✓ —
Expert item-by-item review — ✓ —
FCRA violations flagged — ✓ —
Pre-addressed dispute letters drafted — ✓ —
48–72 hr plan delivery — ✓ —
Business credit curriculum (EIN path) — — ✓

Frequently asked questions.

Is disputing items on my credit report legal?+
Yes. The Fair Credit Reporting Act (FCRA) gives every consumer the right to dispute information they believe is inaccurate, incomplete, or unverifiable. Credit Protocol teaches you how to exercise that right yourself — the same one credit repair companies charge $150+/month to exercise on your behalf.
How is this different from a credit repair company?+
Credit repair companies are a done-for-you service billed monthly. Credit Protocol is education — we teach you the process once and you run it yourself. The Credit Audit is a reviewed plan, not a service that sends disputes on your behalf; you still send the letters, but now you know exactly which ones and in what order.
What does the Credit Audit actually include?+
You upload one bureau or all three — either works. Before your file is reviewed, personal identifiers — SSN, account numbers, full name, address — are removed. Within 48–72 hours you get back a prioritized 30/60/90 day plan built around your specific file: which items to dispute first, which templates from the course to use, and what to expect from each cycle. The full 8-module course is bundled in.
Is my credit report data safe?+
Before your file is reviewed, personal identifiers including SSN, account numbers, full name, and address are removed. Only the information needed to build your plan is used — account types, dates, dollar amounts, dispute-relevant flags. Files are deleted after the plan is delivered.
What happens right after I buy the course?+
Instant access. Your payment is confirmed and you're redirected to a secure download page with all 8 modules and 14 templates. Start with Module 00 — it walks you through pulling your reports and picking your first moves.
Will this work for every situation?+
Results depend on your credit profile, what's actually reporting, your documentation, and your follow-through. No course can honestly promise a specific score outcome. What we can promise is that you'll know exactly what to do, in what order, and why.
What if I have questions after buying?+
Email hello@creditprotocol.blog — we respond to every inquiry within 24 hours. If the course or audit didn't meet your expectations, contact us and we will make it right.

Stop renting the process.

One purchase. Yours forever. Use it for the rest of your life.

Get an Audit — $77
Questions? hello@creditprotocol.blog
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