DIY Credit Repair | FCRA Compliance | Consumer Strategy
Let’s be honest—most “credit repair” services talk a big game, then ghost you after collecting a few hundred bucks. Others charge you monthly just to send the same cookie-cutter dispute letters over and over, whether they help or not. We do it differently.
At WaterWorks Agency, we believe everyone should understand their rights under the Fair Credit Reporting Act (FCRA) and have a path to fix their credit—for free.
That’s why we created The Freedom Letter Program, a free monthly credit dispute system for anyone serious about reclaiming their score and their financial power.
What Is the Freedom Letter?
The Freedom Letter is a free, pre-written, professionally formatted dispute letter you can mail each month to challenge inaccurate items on your credit report. No guesswork. No hidden fees. Just real protection using the law.
Each month, you’ll receive:
- A tailored letter targeting the most recent negative account(s)
- Pre-written legal language referencing FCRA violations
- Step-by-step mailing instructions
- A tracking sheet to organize responses from the bureaus
You print, sign, and mail the letter—we’ll update your plan next month.
Who This Helps Most
This system is especially powerful if you:
- Have less than 4–6 derogatory accounts (collections, late payments, charge-offs)
- Can’t afford full-service credit repair but want results
- Want to build a file clean enough to qualify for $50K–$250K in business credit
- Need help organizing a paper trail before hiring a consultant or filing a CFPB complaint
Our dispute letters are built to get responses—not ignored.
Why We Give This Away
Because this industry is filled with predators. And because we’ve already made our money helping clients earn six figures through credit restoration, business structuring, and capital acquisition.
But if your score is still in the 500s or low 600s, you’re probably not ready for that.
You need protection. You need structure. You need someone to show you how to fight back—without charging you for what the law says should already be free.
So we’re showing up first. And if you ever want the full WaterWorks team to manage the process—expedited letters, certified mail, follow-up audits, and creditor disputes—we’ve got that too. But you’ll never be pressured.
How to Get the Letters
We send the updated letter template out monthly via email and SMS. To join the list:
- Pull your Tri-Merge credit report via CreditDyno.
- Send your report to info@waterworksagency.net.
- We’ll assess and start sending your free letters every 30 days.
The letters are yours to keep. No logins. No subscriptions. Just progress.
Don’t Let a Broken Score Block Your Business Life
We’ve helped clients remove bankruptcies, charge-offs, and medical collections—all without lawsuits or lawyers. Most people just don’t know how to write a proper letter. Or worse, they pay someone who doesn’t know either.
If you’re not sure whether you qualify for high-limit funding, don’t guess.
Send in your report. Use our system. Let the results speak for themselves.
Want More?
If your score crosses 700+, we can show you how to access 0% interest lines of credit, EIN-only business funding, and invoice factoring. Until then, let’s fix what’s broken.
WaterWorks Agency. Fluid Finance. Solid Strategy.
