In the FIIT Steps financial education course I will teach you exaclty how to use this dispute kit to restore your credit from it's damaged state. This kit cannot be used alone. Apply the education and skills I teach you in the Credit course to truly repoair your credit. This kit includes the dispute letters you need for all three credit bureaus to start your credit restoration process. We also included a bonus personal information removal letter to update any inaccurate personal data showing on your credit report.