The Curriculum · Prerequisites: none · Tuition: $0

Everything the bureaus assume you’ll never read.

These aren’t blog posts. Each lesson is the same playbook we run on client files — published in full, free, no email required. Read them before you pay anyone to fix your credit, including us.

6Lessons published
79 minOf required reading
$0Tuition, forever
0Emails required
Start here — first day of class

How credit scores are actually calculated

The five factors, their real weights, and why two people with the same income can be 200 points apart.

Begin CR 101 →

FundamentalsHow scores and reports actually work

CR 101Intro

How credit scores are actually calculated

The five factors, their real weights, and why two people with the same income can be 200 points apart.

12 MIN READBegin →CR 102Intro

Hard inquiries, soft pulls, and who's allowed to look

Permissible purpose under the FCRA, what inquiries really cost you, and removing unauthorized ones.

9 MIN READBegin →

DisputesYour FCRA rights, exercised properly

CR 201Core

The dispute letter bureaus must answer

What FCRA §611 requires, the 30-day clock, and what happens when a furnisher can't verify a debt.

15 MIN READBegin →

CollectionsValidation, time limits, negotiation

CR 301Advanced

Collections: validation, expiration, negotiation

Debt validation letters, statutes of limitation by state, and why you should never pay a collector on day one.

18 MIN READBegin →

SettlementWhen paying less makes sense — and what it really costs

DS 201Core

The real math of debt settlement

When settling saves you money, when it hurts more than it helps, and how to tell the difference.

14 MIN READBegin →DS 301Advanced

1099-C: the tax bill inside forgiven debt

Canceled debt can count as income. What to expect, the insolvency exception, and how to plan for it.

11 MIN READBegin →
Margin note

New lessons publish regularly — the full syllabus runs from CR 101 through debt-settlement casework. If there’s a topic you want covered, tell us when you request your free review.