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Credit repair · Windows · Available now
A wrong late payment, a collection that isn't yours, a debt that should have dropped off years ago - one mistake on your credit report can cost you a loan, an apartment, or thousands in interest. Heirloom Credit Repair walks you through fixing it, one simple step at a time. It asks plain questions about each bad item, tells you exactly which letters to send and to whom, and writes the dispute letters for you with the law that protects you spelled out right in them. No monthly fee, no company holding your information, no paying someone hundreds of dollars to do what the law lets you do yourself. Made by real people in Williamsburg, Kentucky.
Why you'll love it
What kind of item is it? Is it yours? What's wrong with it? Do you have proof? Answer in plain English and the program works out the rest.
Every letter quotes the law that applies - the Fair Credit Reporting Act or the Fair Debt Collection Practices Act - so bureaus and collectors know you know your rights. Each one is written in your own words, as a real person's letter - not a copied form letter that gets sorted out unread.
First, dispute the error. Second, get it removed or corrected - with the follow-up letters ready if they say "verified" or don't answer in 30 days.
Equifax, Experian and TransUnion, plus the minor bureaus most people never hear of: Innovis, ChexSystems, LexisNexis, NCTUE, Clarity, The Work Number and more.
Step-by-step help to freeze your credit for free at every bureau, set fraud alerts, and stop pre-approved offers, junk mail and telemarketing calls.
Monthly credit repair services and apps charge $25 to $100 every month. Heirloom Credit Repair is $49, one time, and yours to keep.
Your information stays with you. Everything is kept on your own computer. Your Social Security number is never saved - each letter opens as a fill-in PDF, and you type it right into the box just before you print.
What it does
Twelve steps with check boxes, from getting your free reports to checking the results.
Late payments, collections, charge-offs, repossessions, bankruptcies, medical bills, inquiries, wrong personal information, and identity theft.
Disputes, identity theft blocks, outdated items, unauthorized inquiries, debt validation, direct disputes, method of verification, no-answer follow-ups, goodwill letters, pay-for-delete offers, and stop-contact letters.
FCRA 611, 605, 605B, 604, 623 and the FDCPA 809 and 805 - cited correctly in every letter.
Write down the certified mail number and it counts the 30 days and tells you the next step.
Figures the date each item must leave your report by law (7 years for most items, 10 for bankruptcy).
Phone numbers, mailing addresses, and buttons to each bureau's dispute and freeze pages.
Free credit freezes, fraud alerts, child freezes, optoutprescreen.com, DMAchoice and Do Not Call.
A 25-page guide in plain English comes with it.
Price and download
Credit repair · Windows
Pay once, no subscription. Free 30-day trial with every feature.
Download for Windows (15 MB - free 30-day trial) · User's guide (PDF)
Runs on Windows 7, 8, 10, and 11.
Multi-product discount. Buy more than one of our products and save 15% on every product after the first. The cart takes it off for you.
How buying works. Add it to your cart and send your order, then pay your total with Cash App. We email your download right away, and your key as soon as your payment is confirmed.
Questions
It helps you dispute information that is wrong, incomplete, outdated, or can't be verified - the law says that must be fixed or removed. No one can legally remove true, up-to-date information; for those, it gives you honest options like goodwill and pay-for-delete letters.
No. It's do-it-yourself software. You have the right to dispute your credit report yourself, for free - this makes it simple. It is not a law firm and doesn't give legal advice.
No. Disputing and checking your own credit never lowers your score.
Everything keeps working - the questions, the advice, the bureau list and the freeze guide. Saving and printing letters needs your key.
No. You pay $49 once.
Heirloom Software LLC of Williamsburg, Kentucky. Call or text (606) 521-7093 or email info@heirloomsoftwarellc.com - a real person answers.