Poor Mans Credit Repair - Version 1.1 You don't need to spend big money to repair your credit. No matter how bad it is, with a little effort, and help from this kit, you can fix it yourself. 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.