What you get
An English playbook with a clear 90‑day plan to raise your FICO®, focused on on‑time payments and lower utilization, plus practical tools.
- ✔ 12‑week roadmap with weekly actions.
- ✔ Copy‑and‑paste letters: FCRA dispute, debt validation, goodwill, pay‑for‑delete.
- ✔ Printable trackers: utilization, score, disputes, collections, card calendar.
- ✔ Collections & identity guide: validation, settlement, freeze/fraud alert.
- ✔ Up‑to‑date section on medical debt (practical view).