CreditCookbook is an open, inspectable, community-verifiable source of credit dispute knowledge — hosted on GitHub, generated as a static site, and monetized through affiliate partnerships and a newsletter instead of selling services.
The Fair Credit Reporting Act gives you every tool you need. Credit repair companies charge $99–$149/month for form letters anyone can send. We open-sourced them. Every template is free, versioned, and verifiable down to the statute it cites.
The FCRA, FDCPA, and HIPAA give you tools most people pay $1,200/year to access. Read the statutes, understand what bureaus can and cannot report, and learn what makes a dispute legally valid.
→ Explore resourcesSend the right letter to the right party. Every template here is fill-in-the-blank, cites the statute, and has been stress-tested against real bureau responses. Track your disputes and follow up.
→ Browse recipesRemoving negatives is half the job. Building positive history is the other half. Secured cards, credit-builder loans, authorized user strategies — the playbooks that actually move your score.
→ See toolsEach recipe is a complete playbook — dispute letters, bureau scripts, step-by-step instructions, and FAQ with schema.org markup.
Dispute medical collections, negotiate hospital bills, remove paid medical debt from your report.
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Validate, dispute, and negotiate collection accounts.
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Goodwill letters, pay-for-delete, and dispute strategies.
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Remove unauthorized inquiries and protect your score.
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FCRA, FDCPA, HIPAA — the statutes that give you the power to dispute.
Send the right letter, certified mail, to the right party. Follow up.
Secured cards, credit-builder loans, authorized user strategies.