Foundation: Start Here
Brand new to credit? Start here. This course gives you the core foundation — what a credit score actually is, how to read your report, the 5 things that move your score, and your first action steps. Don't skip ahead. The order matters. Once you know the rules, the game changes.
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Before You Dispute (Pre-Game)
Most people lose disputes before they ever send one. They skip the prep work — and then wonder why their letters get auto-verified. This course is the 9-step pre-game that makes your disputes actually land. Do these BEFORE you put a stamp on anything. The bureaus' system can't beat what you set up here.
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Unlock at Level 3
Dispute Letters Vault
The full arsenal. Round 1 + Round 2 (MOV) dispute letters, Debt Validation, Cease & Desist, HIPAA Medical, Bankruptcy Removal, Hard Inquiry Removal — all with FCRA/FDCPA/HIPAA legal citations. Print, sign in blue ink, send certified mail. These are the same letters my $200 credit repair clients pay me to send. Now they're yours.
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Bureau Hacks & Advanced Defense
The advanced playbook. 24-72 hour deletion methods for Equifax, Experian, and TransUnion. The BBB Collection Removal hack. The 30-Second Legal Demand. The FCRA 605B phone script with trap questions that force bureau reps to admit violations. This is the Round 3-level play that takes accounts off when the standard letters don't. (Unlocks at Level 4 — Score Climber.)
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Unlock at Level 5
Tradelines & Rebuild Stack
Repair gets the negatives off. REBUILD is what makes scores actually climb. This classroom = the exact tradelines, builder accounts, secured cards, and rent-reporting hacks I tell every client to stack — in the order to add them. Plus my private tradeline plug list (people who'll add you as authorized user on aged accounts). (Unlocks at Level 5 — 700 Club.)
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Banking & ChexSystems
Locked out of opening a checking account? Got dirt on ChexSystems or Early Warning? This classroom = how to clean it up and get back into real banking. Plus the second-chance banks that take you NOW and the credit unions wealth builders use. (Open access — everybody needs this.)
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Unlock at Level 6
Business Credit Playbook
$100K-$250K in business credit on your EIN — no personal guarantee. The full Tier 1-4 vendor system, DUNS setup, fundability checklist, and the exact accounts to open in order. This is the money classroom. (Unlocks at Level 6 — Capital Builder.)
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Unlock at Level 6
Funding & Capital
Personal funding methods that get $50K+ approvals. Best Egg, Upstart step-by-step. Stack multiple lenders for $100K+ cash in 7 days. Plus government contracts (SAM.gov, 8a), SBA loans, CDFIs, grants, and the auto loan to cash conversion. (Unlocks at Level 6 — Capital Builder.)
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Unlock at Level 7
Wealth Building (Book of Wealth)
From your first $500 to legacy money. The Book of Wealth — savings vehicles, compound interest, 401(k), index funds, mutual funds, bonds, CDs, money market, the wealth mindset. Learn what the wealthy actually do with their money once they have it. (Unlocks at Level 7 — Wealth Stacker.)
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Unlock at Level 7
Trusts & Estate Planning
Protect what you build. Pass it down right. The Power of Trusts — revocable, irrevocable, land trusts. Wills, POA, healthcare directives. Life insurance as a wealth tool (Term, Whole, IUL). Estate planning the wealthy use to shield assets and transfer wealth tax-free. (Unlocks at Level 7 — Wealth Stacker.)
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Unlock at Level 8
Income Streams
Real businesses you can start with the credit + capital you've built. Airbnb rental arbitrage, Salon Suites ($273K/year), Box Truck trucking, Amazon FBA, Dispatch (no truck needed), NEMT medical transport, Property Staging, Government Contracts. Pick ONE and build. (Unlocks at Level 8 — 800 Club.)
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Unlock at Level 8
Banking Secrets
Secret lenders, 14 online business bank accounts, Quick Claim Deed strategies, auto loan conversion. The banking game nobody teaches you.
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