I'm a security engineer turned fintech CTO who got tired of watching people pay $1,200/year for form letters they could send themselves. So I open-sourced the playbook.
10-year career across enterprise security (Tinder, Verizon Media, CHLA, UCLA Health), fintech (Glass Financial — where I was CTO), and AI agent development (Caleb Pierre Ventures). I've seen what happens when systems aren't transparent. Credit repair is one of those systems — opaque, paywalled, and designed to make you feel like you need a middleman.
You don't. The Fair Credit Reporting Act gives you every tool. CreditCookbook just puts them in one place where anyone can inspect, copy, and verify them — no paywall, no upsell, no "schedule a free consultation."
I watched someone close to me pay a credit-repair company $99/month for 14 months — $1,386 total — for exactly three dispute letters. Three. The letters worked, but they were generic templates that any paralegal could have written in 20 minutes.
That same month, I was building AI automation systems that could generate, version, and distribute documents at zero marginal cost. The gap was obvious: the knowledge wasn't scarce, the distribution was just locked.
CreditCookbook is the answer. Open repo, static site, no login, no paywall. Every letter is inspectable on GitHub. Every claim links to the statute. If I'm wrong, you can see it. If I'm right, you can use it. That's the deal.
Tinder, Verizon Media, CHLA, UCLA Health. Built security infrastructure, threat detection systems, and compliance frameworks for enterprise-scale platforms.
Led technology strategy and engineering for a fintech lending platform. Saw firsthand how opaque credit systems hurt consumers — the problem CreditCookbook solves.
Building AI agent systems, automation pipelines, and security consulting for businesses. CreditCookbook is the open-source proof that expertise scales without paywalls.
Open-source credit education. Every dispute letter, every statute, every playbook — free, versioned, inspectable on GitHub. Remedy, not repair.
If this site helped you, the best thing you can do is share it. The second best is connect.
My agency — AI automation, systems engineering, and security consulting for businesses that want to eliminate manual work.
calebpierre.com →
// professional10 years in enterprise security, fintech CTO, AI systems. Full career history and recommendations.
linkedin.com/in/calebpierre →
// personalBehind the scenes — building in public, LA life, and the occasional credit tip that doesn't fit in a template.
@emperorpierre →
// codeAll my open-source projects including this one. Star the repo if it helped you — it helps others find it.
github.com/ghettoeinstein →
CreditCookbook is free and always will be. But if you need something more — AI automation for your business, security architecture review, or systems engineering — I take on a small number of clients through calebpierre.com.
| Layer | Tool |
|---|---|
| Framework | Astro (static site generator) |
| Hosting | GitHub Pages (free, auto-deploys on push) |
| Design | Swiss / International Typographic Style |
| Code | Open-source on GitHub — MIT license |
| Built by | One person. No team. No VC. No paywall. |