Are there any “do-it-yourself” credit repair kits available?

Yes, there are “do-it-yourself” credit repair kits available in the state of Washington. These kits, typically designed for non-lawyers, allow individuals to perform most of the same credit repair services as a professional. Typically, these kits include tools and information that may be necessary to repair a credit report. For example, they may provide templates for letters or dispute forms to send to credit reporting agencies, step-by-step instructions on how to craft an effective dispute letter, and other information and resources. These kits, however, are not a substitute for professional credit repair services and may not be as effective as seeking the help of a professional. Those who purchase DIY credit repair kits should always read the fine print and understand the terms of use of the product before using it. Furthermore, they should be aware that credit laws in Washington may be more complex than those found in a DIY kit. Moreover, the Federal Trade Commission (FTC) warns individuals to be wary of so-called credit repair companies and “get out of debt” services that offer quick-fix solutions for a fee. Such services may not adhere to credit repair regulations in the state of Washington. Therefore, before attempting any credit repair, individuals should contact a state government agency or a consumer protection attorney to learn more about consumer rights and the legal procedures for credit repair in Washington.

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Are there any “do-it-yourself” credit repair kits available?

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