DIY-Start Today — Validate Accounts & Know Your Credit Scores in 3 Easy Steps

Force Experian®, Equifax®, and TransUnion® to Verify or Remove Questionable Items

Under the Fair Credit Reporting Act, credit bureaus must verify negative items with 100% accuracy—or delete them. Don’t let mistakes drag down your score.

With Fix My 3 Scores’ CRAI, you can quickly create FCRA validation letters for all three major credit bureaus. Simply enter your SmartCredit® email, review your report, and click Verify & Fix. Mail them now and expect responses in 30–45 days.

STEP 1

⚠️  If you haven't created a SmartCredit® account or don't have your 3-bureau credit report, you can create one here — just enter your email below  to start the signup.

Follow our simple, step-by-step process to take control of your credit — no confusion, no stress, just clear action that gets results.

Step 1

Before we get started, you’ll need your credit report from all three major credit bureaus.

If you don’t have it yet — no worries! You can set up your SmartCredit® account in just a few minutes and get your full 3‑bureau report.

Simply enter your email, and you’re on your way. It’s quick, easy, and gets you one step closer to your goals.

Already have a SmartCredit® account?

Just enter your email to go directly to step number 2

Step 2

You’ve received your official reports from all three credit bureaus — now it’s time to take control of your financial future.

Enter the email you used to create your SmartCredit® account and instantly unlock your Expert Credit Analysis.

See your 3 credit scores in real time, uncover negative accounts, late payments, and collections that may be hurting your score — and learn how to validate them to protect your profile.

Get a clear overview of your credit health, top issues to address, and personalized recommendations to help you boost your score.

Know what’s working for you — and pinpoint what’s holding you back — so you can take action toward credit repair, higher scores, and financial freedom.

Don’t wait. Take control now, follow your Expert Credit Analysis, and start building the strong credit you deserve.

Step 3

Check your Expert Credit Analysis and send your Validation Letter to all 3 major bureaus.

Enter your SmartCredit® email to instantly receive a comprehensive 3-bureau credit analysis — and take the first step toward repairing your credit. It’s fast, simple, and just 1-2-3!

⚠️ If you haven't created a SmartCredit® account or don't have your 3-bureau credit report, you can create one here — just enter your email below  to start the signup.

After you create your account and log in, you'll be sent to view your FREE Credit Report Analysis so you can start improving your 3 scores immediately.

$1 for 7 days** with SmartCredit® — after trial, **34.99/month until you cancel. Fee is paid to SmartCredit®, not Fix My 3 Scores. Cancel anytime inside your SmartCredit® account after login.

We use  Authorize.Net  to securely process credit card payments. Your transactions are protected with advanced encryption and security measures, ensuring your payment information remains safe.

Your privacy is of utmost importance to us. At FixMy3scores.com  we are committed to protecting the personal information you provide. View our Privacy Statement which outlines the types of information we collect, how it is used, and the measures we take to ensure your data remains confidential and secure.

© 2010–2026 Fix My 3 Scores, a subsidiary of DEM Investments, Inc. All rights reserved.