The FREE Credit Repair Kit by MrCleanCredit includes letters for the following: Free Cease and Desist Letter, Debt Verification, Statute of Limitations and Debt Negotiation. However, we do promise to legally do everything possible on your behalf to restore your good credit. Do-It Yourself Credit Repair Kit Page 10 of 77 For example, "The Smith Bank account from 2004 was a shared account with my ex-husband." Other websites may claim to offer free reports, but the Federal Trade Commission (FTC) warns that these offers are often deceptive. Get The Best Do It Yourself Credit Repair Software On The Net. Before you do, though, familiarize yourself with the Fair Credit Reporting Act (FCRA) so you know your rights when dealing with the credit bureaus, creditors, and even collection agencies.. All rights reserved. Sample Letters. Do-it-yourself credit repair is certainly possible without hiring an outside company. //--> This is a complete manual on repairing your credit. Looking for a do-it-yourself credit repair kit?