Credit 101: How Credit Really Works
Free for all Legacy League members. Learn how credit scores really work: FICO vs VantageScore, the 35/30/15/10/10 breakdown, late payments, utilization and the statement-date method, account age, inquiries and rate shopping, credit mix, how long items stay on a report, and Credit Repair 101 for new business owners. Every lesson has real math, a client talk track and an action step.
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30-Day Credit Comeback Challenge
Free for every Legacy League member. One small task a day, 5 to 15 minutes, for 30 days. Pull your three free reports, map every account, stop new damage with autopay and a utilization plan, learn how honest disputes and the 7-year clocks really work, then build positive history and write your 12-month plan. Every day ends with a check-in so you're never doing it alone.
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KBCG Tools & Resources Vault
Free for every Legacy League member. Premium tools pulled straight from KBCG's courses: a Survival Budget & Runway Calculator, eight hardship letter templates, the Medical Bill Screen & Go-File Checklist, the Homebuyer Lender Folder Checklist, the Student Loan First Call Checklist, the Credit 101 Cheat Sheet and the Expiry Date Calculator. Every tool has its own page with steps, and the file is attached.
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Private Course
The DIY Credit Repair System
The complete do-it-yourself system from KBCG. Read your reports like an auditor, dispute the honest way, work every type of negative item, rebuild, master utilization and get approved. Includes the 16-letter DIY Letter Pack, the Dispute Tracker, the Utilization Paydown Planner, plus short lesson videos as they are released. Educational only. No score or deletion is guaranteed.
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E-Books
Access our complete library of e-books designed to help you understand personal credit, business credit, financial literacy, and business funding. Download the resources and learn at your own pace.
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Guides
Step-by-step guides to help you navigate every stage of improving your credit and preparing for funding. These practical resources are designed to simplify the process and keep you on track.
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Credit Repair Process
Learn the complete credit repair process from start to finish. This section walks you through reviewing your credit report, identifying inaccurate information, understanding disputes, and following the proper steps toward improving your credit profile.
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Funding
Discover how to prepare your business for funding, understand lender requirements, and position yourself for the best financing opportunities. Learn the process from qualification to approval.
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Private Course
D2C Lab — Start Here
Begin here. How the KBCG D2C Lab works, how to move through the courses, how we protect client information, and how to get the most from the weekly live calls.
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Private Course
Dispute Mastery™ — Level 1: Round 1
Foundations and Round 1. How to read a report like an auditor, which items to dispute and why, building the Round 1 file in CRC, and the documentation discipline that sets up every round after it.
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Private Course
Dispute Mastery™ — Level 2: Round 2+
Round 2 and escalation. Method of verification requests, FCRA §1681s-2(a) vs (b), documented Round 3 bureau disputes, cadence, and what to do when a bureau verifies an item that shouldn't be there. Now includes the Round 3+ Playbook (what to do after "verified," with a rebuttal for every answer) and the Round 3+ Letter Templates.
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Private Course
Dispute Mastery™ — Level 2.5: Response Decoder
Read every bureau letter right, not just the clean results. Learn KBCG's 13 Decoder Codes, the Response Clock (30 or 45 days, results due dates, mail cushion), how to handle ID holds, sender review letters, repeat flags, frivolous notices, extensions and silence, the One-Line Rule and exhibit standard, what an MOV can get you, confirming wins and spotting reinsertion, and six consumer-signed letter templates.
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Private Course
Dispute Mastery™ — Level 3: Law Matrix
The full applicable-law matrix by every negative item type. FDCPA validation, Metro 2 errors, medical debt, judgments and liens, evictions, identity theft blocks, and CFPB and state AG escalation.
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Private Course
Dispute Mastery™ — Level 3+: The Goodwill Lane
What to do when the audit says a negative item is accurate. Every negative item still gets disputed with a Reason that matches the audit. When an accurate item comes back verified, it moves into the Goodwill Lane. Learn the Lane Test and five gate checks, why creditors can remove accurate info (and why many won't), the Goodwill Readiness Score, pay-for-delete, three consumer-signed letters, a phone script, the three-touch cadence and how to offer goodwill work under CROA.
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Private Course
Dispute Mastery™ — Reasons & Instructions
The KBCG Reasons & Instructions Library, built for the CRC Dispute Wizard. 22 categories, each with the trigger, the law, a paste-ready Reason and Instruction, the CRC letter type, the Round 2 move and what to watch out for. Every citation checked in October 2026. Includes the round strategy, honest reason matching, batch rules and a 3-page quick reference PDF.
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Private Course
Dispute Mastery™ — Level 4: The Business
Running dispute work as a business. Client onboarding, pricing models, what a VA does vs. what the specialist decides, quality control, and scaling capacity without losing results.
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Private Course
Dispute Mastery™ — Level 4.5: Client Experience
Build the client experience that keeps clients staying, paying on time and referring. Learn the launch window (a signature is not a start date), a 10-stage pipeline with a QC gate and aging alerts, a secure client file built for the FTC Safeguards Rule, weekly five-line updates, document reminders and client cards, CROA-compliant billing after the work, honest retention and an easy cancel, and a close-out that earns reviews and referrals.
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Private Course
Dispute Mastery™ — Level 5.1: Secondary Bureaus
The Files Behind the Denials. You already know how to work Equifax, Experian and TransUnion past Round 1. This course covers the specialty agencies lenders actually pull — LexisNexis, Innovis, Clarity, NCTUE and more — and how to audit, dispute and lock them down before funding.
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Private Course
Dispute Mastery™ — Level 5.2: ChexSystems & EWS
ChexSystems, Early Warning and check verification. A client who can't open a checking account can't build a business. Learn how banks screen applicants, how to pull and read every banking file, how to dispute or resolve records, and how to get clients banked again.
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Private Course
Dispute Mastery™ — Level 5.3: Eviction Records
Fix the court record, then fix every screening report. An eviction record follows people in a way most credit items don't. This course covers reading the docket, what can legally change on the public record, disputing every tenant screening company, landlord negotiation, and running eviction work compliantly.
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Private Course
Dispute Mastery™ — Level 5.4: Bankruptcy Files
Audit the bankruptcy, don't attack it. Learn filing vs. discharge vs. dismissal, how a bankruptcy reports on the public record and every included account, the real 10-year rule vs. the 7-year Chapter 13 policy, how to pull the court record from PACER, why "courts don't report" fails, five fill-in letters plus a client direct-dispute checklist, the escalation ladder, and the rebuild plan when the file is accurate.
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Private Course
Consumer Law Mastery™
The law behind every dispute decision. Six levels and 32 modules: FCRA and Regulation V, FDCPA and Regulation F, CROA and the TSR, billing errors, mortgage servicing, identity theft, specialty reports, bankruptcy, medical debt and student loans. Includes the Student Professional Blueprint, Applied Workbook, practicum case files, assessments, 16 drafting templates and six teaching decks. Educational only. No deletion, score or funding result is promised.
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Private Course
The Science of Credit Reporting™
The advanced extension of Dispute Mastery. Three volumes, 32 modules: factual disputes, FCRA and Regulation V compliance, and Metro 2 and e-OSCAR from the data level up. Includes the Student Professional Blueprint, three workbooks, 32 module decks, fictional case files and simulated disclosures, templates, examinations and an integrated capstone. Educational only. No deletion, score or funding result is promised.
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Private Course
Advanced 1 — Fundable Business Structure
LLC formation done right, for your clients and your own CRO. Anyone can form an LLC in ten minutes online. This course covers choosing the entity a lender wants to see, Florida formation and compliance, the fundability foundation, advanced structure, and the operating agreement and banking setup that gets files approved.
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Private Course
Advanced 2 — Business Credit Engineering
Build it, monitor it, dispute it, without the myths. Business credit is the most oversold topic in this industry. This course covers how the three business bureaus really work, setting up the files, building a reporting trade file honestly, personal guarantees, and monitoring and disputing business credit.
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Private Course
Advanced 3 — Capital Access
Funding readiness to funded, and building a compliant funding division. This is where everything in the track pays off. This course covers readiness through an underwriter's eyes, the full product map from cards to SBA to MCAs, the lender-ready documentation package, and building your own funding division the right way.
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Private Course
Advanced 4 — Client Acquisition & Compliance
Getting clients, keeping them and getting referred, without breaking the laws written with our industry in mind. This is where your dispute skills turn into a real business. This course covers the lead-to-client flow, consult scripts that never promise a result, referral partners and RESPA, compliant ads and testimonials, speed-to-lead under TCPA and CAN-SPAM, CROA and the TSR, state law, your weekly scorecard and a client referral program.
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Unlock at Level 2
The Legacy Homebuyer Plan
Get mortgage-ready in 12 months. Learn which scores lenders actually use in 2026, plan backward from Pull Day through five gates, control reported balances, shop rates without hurting your score, time disputes so they don't stall underwriting, handle collections and DTI the right way, build a lender-ready file, work with your loan officer and protect the file through closing. Plus a bonus lesson on buying new construction.
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The Fresh Start Plan
From hardship to rebuild. Protect income, housing and utilities in the first 72 hours, build a survival budget and runway, write hardship letters that get read, use the federal mortgage protections, screen and shrink medical bills, handle collections and settlements without restarting old clocks, clean up after bankruptcy or divorce, and follow a 12-month rebuild. Includes 8 KBCG letter templates.
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The Student Loan Comeback
Get out of default, pick the right plan after SAVE, and clean up what student loans did to your credit under the 2026 rules. Learn what happened from the 2020 pause to October 2026, how RAP and the new plans work, the four ways out of default and which one fits, how student loans report and which clock applies, how to audit and dispute the right way, how private loans differ, when forgiveness or discharge might apply, and the first call, case map and 90-day plan that put it all together.
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