Poor Man's Credit Repair Kit is free to anyone that wants to repair their credit themselves. With some credit repair agencies under investigation for scams, doing it yourself gives you complete control, eliminating the possibility of being scammed, while saving you money to boot. Everything you need to know is here, from adding positive credit to re-establishing bad credit. Learn about Debt Validation, and how it is the ultimate weapon against the collection agencies. Know how getting a divorce will affect your credit. Generate 5 different credit letters to send to credit bureaus by just filling in the blanks, and print out a nicely formatted letter, ready to send.