Credit Foundations & Cleanup Prep
To control your credit, you must understand what's in your credit report and how lenders assess you. Most lenders use FICO scores, which are calculated from five categories. Before tackling negative items, you must secure your identity by freezing secondary bureaus.
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Credit Report Analysis
Analyzing your credit reports teaches you which accounts need attention and which errors to dispute. Learn to read line-by-line, classify accounts, identify derogatory items and plan your disputes.
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Personal Information & Data Cleanup
Inaccurate names, addresses or employers on your report can link your file to someone else's data, causing cross-reporting and denials. Remove all outdated personal information.
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Collection Removal System
Collections lower your score and scare lenders. Even paying collections can hurt if not handled correctly. Learn the four-step STCM system: validate, dispute, complain and negotiate.
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Late Payment Removal System
Late payments are the single biggest score killer. They stay on your report for seven years but can sometimes be removed through goodwill requests, factual disputes, or executive escalation.
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Charge-Off Removal System
A charge-off occurs when a creditor writes off a debt as a loss after 180 days of non-payment. It remains on your report for seven years and can devastate your score. Learn to resolve or remove charge-offs.
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Inquiry Removal & Credit Building
Hard inquiries slightly lower your score, but many inquiries in a short time can trigger denials. Learn to remove unauthorized inquiries and build positive credit strategically.
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Template Vault
Repository of all letter templates used throughout the course. Copy these and customize them with your own information.
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The STCM Philosophy (System to Control Money)
The STCM Method ties together all steps into a cohesive system. Credit repair is not a quick hack—it's a process of auditing, disputing, building, and maintaining discipline.
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Business Credit Foundations
Decode the hidden world of business credit—how it works, why it exists, and why separating your personal and business finances is the key to unlocking funding without risking everything you own.
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