Rebuild Your Credit, Regain Control

Free DIY-friendly tools to help you boost your score and take back your financial freedom.

Two Options. Endless Possibilities.

Free DIY Plan — $0

Start completely free — no subscriptions, no payments.

  • Access to the Sold and Stay DIY credit repair portal

  • Guided instructions for building dispute letters by hand

  • Downloadable letter templates (late payments, charge-offs, inquiries, collections, etc.)

  • Ability to print and mail letters yourself (no automation)

  • Progress tracking for your disputes

  • Educational guides on credit scoring, bureaus, and your rights under the FCRA

  • Learn the same process professionals use — without the price tag

  • Upgrade anytime to unlock automation and credit report integration

Best for self-starters who are comfortable following step-by-step instructions and managing their own disputes manually.

Premium DIY Plan — $21.99

For $21.99/mo, you unlock AI automation & live credit data.

  • Full access to the Sold and Stay credit repair portal

  • Automatically generates dispute letters with your details pre-filled

  • Secure access to your full 3-bureau credit report

  • Monthly updates from Experian, Equifax, and TransUnion

  • Real-time credit score tracking and monitoring alerts

  • Smart automation to guide you through each dispute step

  • Reduce time and errors with personalized workflows

  • Cancel anytime — no contract, no pressure

  • No markups or commissions — we earn nothing from this

Best for people who want a smoother, more guided process with access to their full credit profile.

Frequently
Asked
Questions

  • Yes — the tools in the portal are free to use. If you choose the Free DIY Plan, you can create and send dispute letters manually with no cost at all. The Premium DIY Plan is $21.99/month and gives you live credit data and automation — but we earn nothing from it.

  • To automate the dispute process and track your score, the system needs your full 3-bureau credit report. That $21.99/month fee goes directly to the secure credit report provider — we’ve waived our commission to get you the lowest possible price.

  • Absolutely. Many people start with the Free plan to learn the process, then upgrade later for convenience and real-time tracking. You can switch anytime.

  • No. Using your own credit report, sending dispute letters, and monitoring changes will not negatively affect your score. These are tools to help you take back control — not harm your credit.

  • No. Everything you do in the credit repair portal is private and secure. We don’t see your report, account activity, or dispute history. This is a self-directed system built for your privacy.

  • Because we believe better credit leads to better options — in housing, finance, and life. Whether or not we ever work together, we want to give you tools that move you forward. This is our way of giving back.

  • No. This is a self-guided tool designed to help you understand and improve your credit on your own. It’s not a substitute for financial planning, legal advice, or professional counseling — but it can be a powerful first step toward getting organized and moving forward.

  • Yes — everything provided follows your rights under the Fair Credit Reporting Act (FCRA). You have the legal right to dispute inaccurate or outdated information on your credit report. This platform simply gives you the tools to do it effectively and safely.

  • Yes — you’re always welcome to reach out. While we don’t provide credit repair services ourselves or offer financial advice, we’re happy to point you in the right direction and answer questions about how the platform works. And if you think you might need help with a real estate solution down the line, we’d love to explore that with you when the time is right.

Why We Offer This

At Sold & Stay, we often work with people navigating financial transitions — whether they’re exploring a sale, rebuilding, or planning their next move.

Improving your credit opens the door to more financial options, including some we may be able to help with in the future. But truthfully, even if you never work with us, we’re still glad you’re here.

You’re welcome to use these tools to improve your credit for any reason: qualifying for financing, refinancing a mortgage, or simply getting back on solid ground. There’s no catch. No pressure. No obligation.

We do collect your contact info when you sign up so we can check in down the road and see if we’re a good fit for your goals. If we can offer support beyond credit help, we’ll be here when you’re ready.

This is simply our way of giving back, because better credit leads to better options, whatever path you choose.

What You’ll Gain

  • Clarity

    Understand what’s on your credit report and how it’s affecting your score.

  • Control

    Take action on your own terms — with no sales reps or pressure.

  • Confidence

    Know your rights and use proven dispute tools to correct inaccurate data.

  • Convenience

    Choose between hands-on or automated tools — upgrade only if you want to.

  • Affordability

    Start completely free, or access premium tools for just $21.99/month.

    (We make $0 — it’s all for your benefit.)

  • Freedom

    A better credit profile gives you more flexibility for your future — whether it’s with us or not.

  • Privacy

    Everything you do stays between you and the credit platform — we don’t see your reports or disputes.

  • Momentum

    Even small progress can unlock new possibilities — and this gives you a way to start, today.

Sold and Stay is not a credit repair organization as defined under federal or state law and does not provide credit repair services, legal advice, financial counseling, or representation. We do not access your credit reports or handle dispute submissions on your behalf. The credit repair tools provided through this site are made available via a third-party platform that operates independently. Accessing those tools may require a subscription to a credit reporting service. Sold and Stay receives no commission, referral fee, or compensation for your use of this service.

Any decisions you make regarding your credit or financial situation are solely your responsibility. We encourage you to consult with a qualified attorney, credit counselor, or financial advisor for personalized advice.

Ready to Start?

It only takes 60 seconds. Create your free account and get instant access to your dashboard.

(Choose Free or Premium after sign-up. $21.99/month if you upgrade — we earn nothing, and you can cancel anytime.)