Audit, correct, rebuild, and protect your credit with a lawful 90-day system grounded in current CFPB, FTC, and federal guidance — without fake loopholes or guaranteed-deletion claims. This is consumer education, not credit repair.
A score is not your worth. It is one model's reading of the information in a report. This course teaches you to improve the underlying facts and behavior — not chase mystery points. Every lesson follows the same order.
Correct facts, not history. Challenge information you genuinely believe is inaccurate or incomplete — never manufacture a dispute.
Stop new damage first. Protect payment dates, cash flow, and identity before attempting any optimization or new application.
Document every step. Preserve reports, letters, delivery records, confirmation numbers, results, and deadlines in one command file.
Open each module, complete the action, and mark it finished — audit, repair, rebuild, and protect, in order.
Reports, scores, underwriting, and the five FICO categories — improve the data, not the number.
Pull all reports, run a four-pass audit, and rank your evidence into five working folders.
Evidence-first letters, 30–45 day timing, and CFPB escalation — frameworks, not secret deletion forms.
Correct identity data and separate legitimate access from fraud — hard vs. soft inquiries in plain terms.
Validate, verify, negotiate, and document without reviving risk — and never ignore a court deadline.
Medical debt, student loans, repossession, foreclosure, and bankruptcy — start with the governing documents.
Freeze first, build a recovery record, and stop new damage — genuine theft only.
A calm system of controlled use and dependable payments — no interest required to build a score.
Reduce reported strain without sacrificing essential cash flow — avalanche, snowball, or utilization-first.
Prepare the report, compare total cost, and use an adverse-action notice as a diagnostic.
Collect, investigate, submit, build, verify, and escalate — with the CFPB escalation gate respected.
A 20-minute monthly routine plus quarterly and annual checks that protect your progress.
Everything you need to move in order and measure what matters — not one daily consumer score.
Understand reported revolving utilization — overall and per card. Educational, not a score prediction.
Framework letters for reporting-company disputes: exact field, correct fact, proof, and the specific correction requested.
A structured complaint packet to use only after the required direct-dispute stage and elapsed-time gate.
The five-folder system — reports, account evidence, disputes, secure identity records, timeline and deadlines.
Collect → investigate → submit → build → verify → escalate, broken into a day-by-day sequence.
The 20-minute monthly, plus quarterly and annual checks, that keep your reset from slipping back.
Evidence over shortcuts. This course gives you the process the honest way — direct disputes, documented evidence, and lawful escalation. It is general consumer education, not legal, tax, financial, or credit-repair advice, and results depend on your own file and follow-through.
Secure Stripe checkout · Instant access · All sales final · Educational credit guidance — no score increase, deletion, or approval guaranteed.
A real person takes your enrollment and gets you into the course — no forms.
📞 Call (470) 740-8343Or email support@duesmart.com
No one can promise that, and this course does not. It's consumer education that teaches you to correct genuine inaccuracies, rebuild positive history, and escalate lawfully. No score increase, deletion of accurate information, or approval is guaranteed — anyone promising that is a red flag.
No. It's education. You do the work on your own file using evidence-first disputes, documented follow-ups, and the official CFPB/FTC processes. It is not legal, tax, financial, or credit-repair advice.
All 12 modules and the 90-day action plan, a readable online guide, the downloadable template bundle (dispute frameworks, CFPB complaint narrative, utilization worksheet, command-file organizer, 90-day roadmap, maintenance routine), and instant access on a private course page.
$47 is the founding price for the first 20 students. As the course expands it rises to $79, then $97. The founding cohort locks in the lowest price.
Because it's a digital course with instant access, all sales are final. Please read this page fully so you know exactly what you're getting first.