📘 Free Credit Starter Kit (Download Below) · Dreams Into Reality Academy

📘 Free Credit Starter Kit (Download Below)

Here are a few helpful resources to begin improving your credit the right way:

1️⃣ Credit Score Breakdown (What Impacts Your Score Most)

• Payment History – 35%

• Utilization – 30%

• Credit Age – 15%

• Mix – 10%

• Inquiries – 10%

2️⃣ Monthly Credit Tracking Template

Keep track of:

• Score changes

• Utilization %

• Balances

• New accounts

• Goals

3️⃣ Dispute Letter Templates (Basics)

Use these only for inaccuracies or outdated information.

✨ DOWNLOADS (attach files here)

You can upload:

📄 A PDF “Credit Starter Kit”

📄 A monthly tracker (Google Sheets or PDF)

📄 1–2 basic dispute letter templates

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