Before you open any other module, go through this one. It takes 15 minutes. It tells you exactly which module to start on, what your file looks like right now, and what your real timeline to funding is. Skip it and you'll guess. Guessing is how people stay stuck.

This module exists to remove anything from your credit report that is wrong, unverified, outdated, or unfair. Federal law gives you the right to dispute. The bureaus and creditors have to follow rules. Most people never use those rules because nobody told them how. This module fixes that. You'll send your first round of disputes by the end of week 1 and have results by week 4.

Repair removes negatives. Build adds positives. This module is how you go from a clean-but-thin file to one a bank will actually fund. You'll add the right accounts in the right order, manage them the right way, and wait the right amount of time. Most people skip steps and stay stuck. The people who follow this in order get funded.