Heirloom Credit Repair
$49 one time
Pay once, no subscription. Monthly credit repair services charge $25 to $100 every month.
Download the free trial (19 MB - free 30-day trial) · User's guide (PDF)
Runs on Windows 7, 8, 10, and 11.
All programs › Heirloom Credit Repair
Credit repair
Heirloom Credit Repair: fix your credit report yourself.
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 asks plain questions about each bad item, tells you 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.
What it does
Heirloom Credit Repair features
Step-by-step plan
Twelve steps with check boxes, from getting your free reports to checking the results.
Questions for each bad item
Late payments, collections, charge-offs, repossessions, bankruptcies, medical bills, inquiries, wrong personal information, and identity theft.
17 kinds of letters
Disputes, identity theft blocks, outdated items, unauthorized inquiries, debt validation, method of verification, no-answer follow-ups, goodwill letters, pay-for-delete offers, and stop-contact letters.
The law written in
The Fair Credit Reporting Act and the Fair Debt Collection Practices Act, cited correctly in every letter.
Deadline tracker
Write down the certified mail number and it counts the 30 days and tells you the next step.
"Must come off by" dates
Figures the date each item must leave your report by law (7 years for most items, 10 for bankruptcy).
Every bureau, major and minor
Equifax, Experian, and TransUnion, plus Innovis, ChexSystems, LexisNexis, and more - with phone numbers, addresses, and links.
Freeze and opt out
Free credit freezes, fraud alerts, child freezes, and how to stop pre-approved offers, junk mail, and sales calls.
Your information stays with you
Everything is kept on your own computer. Your Social Security number is never saved - you type it into each letter just before you print.
Price and download
Get Heirloom Credit Repair
Questions
Common questions about Heirloom Credit Repair
Can it remove anything from my report?
It helps you dispute information that is wrong, incomplete, outdated, or can't be verified - the law says that must be fixed or removed.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.
Is this a credit repair company?
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.
Will disputing hurt my score?
No. Disputing and checking your own credit never lowers your score.
What happens after the trial?
Everything keeps working - the questions, the advice, the bureau list, and the freeze guide. Saving and printing letters needs a key ($49 one time).
Is there a monthly fee?
No. You pay $49 once.
Who makes it?
Needful Things Software is the home PC and personal finance line of Heirloom Software LLC of Williamsburg, Kentucky. Call or text (606) 521-7093 or email info@needfulthingssoftware.com - a real person answers.