https://apps.apple.com/us/app/pocketguard-budgeting-app/id949414211?ppid=0f167569-afb9-47b8-9c1b-29d4f1221f97 Use the 7 day free trial to input all your income, expenses and everything else. This is the 1st step to managing your money correctly. After you finish send a screenshot to the person who invited and schedule a phone call. After you finish this we can proceed to Step 3 - Increase Credit Score