1. Unlock
The full download stays behind a $49 Stripe payment. Buy opens the live Payment Link. A labeled reviewer stub is not a receipt.
AP-116 · Credit file worksheet · ARQS-APIN-2026-003196
Read your credit report. Keep every number yours.
Paste or upload a report you already have. The workbench lines up the tradelines you entered, calculates revolving utilization and account age from those figures, and builds dispute-letter templates with blanks where you did not supply a fact.
$49 one time
Commercial band $19–$49. This page offers the full workbench at $49. A $19 lite unlock is not activated in this draft.
Buy the workbench — $49 Open the locked workbench
No subscription
Immediate digital delivery
Your figures only
Stripe Payment Link · $49
What you do
Three steps. No waiting room.
2. Add your report
Paste text, or upload a .txt, .docx, or digital PDF. A scanned image with no text layer is left blank. Nothing is filled in for you.
3. Download the package
Summary, what-if paydown or removal, action list, and letter templates. PDF and DOCX are built in the browser right away.
Checkout
$49 Stripe checkout is live.
Stripe Payment Link: https://buy.stripe.com/14A6oH9SgdrzbaB9TkeQP2F. One-time $49 USD. Shopify listing: not created for AP-116. Do not use another product’s checkout for this offer. Delivery after a verified payment is immediate in the browser.
Limits
What this does not do.
Not legal advice. Not a credit repair company guarantee. Not a FICO official score. The workbench does not invent accounts, balances, or point changes. A letter template does not say an item is wrong unless you write that yourself.