Repair your credit using the exact rights federal law already gives you — then turn that skill into income. No gimmicks, no gray areas.
Under FCRA §611, when you dispute an item, the bureau must conduct a reasonable reinvestigation within 30 days — or delete the item.
Round 1 — the initial dispute. Send Letter A to each bureau reporting the item. Be specific: wrong balance, wrong date, wrong status, not mine…
The rhythm: dispute → method of verification → furnisher direct → CFPB. Every 30–35 days, next round. Track everything…
A complete system, in the order that actually works.
The 4-round FCRA process the pros use — initial disputes, method-of-verification demands, furnisher-direct disputes, and CFPB escalation, each with its own letter and timeline.
Utilization timing, credit-limit plays, authorized users, credit-builder products, and the 700 formula — plus legitimate business credit under your EIN.
Every letter as an editable Word document — dispute, method-of-verification, debt validation, goodwill, pay-for-delete, reinsertion, intent-to-sue, and more. Cited to the exact statute. Fill in the brackets, print, mail.
Digital products, vendor sourcing, faceless marketing — and the full blueprint for launching your own compliant credit consulting side business.
A week-by-week calendar so you always know exactly which letters to send, when to follow up, and what to build while you wait.
Read Module 4 — The Dispute Engine — plus Letter A, free. Instant access, no card required.
Yes — everything in the playbook is built on rights you already have under federal law: the FCRA, FDCPA, and related statutes. We teach you to challenge what's inaccurate, unverifiable, outdated, or incomplete. No fake identity-theft claims, no CPNs, no gray-area tricks.
No. The playbook starts at zero (how credit actually works), the letters are pre-written — you fill in brackets — and the 90-day plan tells you exactly what to do each week.
Instantly. Right after checkout you'll see your personal access code and be signed in automatically. Your code works on any device, any time.
Module 18 is a complete blueprint for launching a credit consulting side business — including the CROA compliance rules that keep you legal, the pricing tiers, and how to get your first clients.
Each dispute round takes 30 days by law, and a serious cleanup runs 3–6 rounds. Most users see major movement by day 90. No specific score outcome is promised — anyone who promises one is breaking the law.