Free Lead MagnetThe 2026 Credit Repair
The 2026 Credit Repair
& Funding Readiness Checklist.
The exact step-by-step action plan we use with paying clients — free. Pull, dispute, and build your way to funding-ready credit. Drop your email to unlock the full checklist.
No credit card Used by 1,200+ clients $18M+ funded
12 steps
To funding-ready credit
- Pull all 3 bureau reports
- Dispute inaccuracies
- Build positive history
- Get funding-ready
What you get
Everything you need to go from denied to funded.
The full 12-step checklist
Every action we take with paying clients, in order — nothing held back.
Dispute letter templates
Bureau-specific dispute language that gets items removed, not ignored.
Funding readiness scorecard
See exactly what lenders look at before you apply — so you don't get denied.
Know your score
What actually moves your credit score.
Most people guess at credit. The checklist breaks down the exact weights FICO uses — so you spend energy where it actually counts.
Score weight breakdown
- On-time payment history35%
- Amounts owed (utilization)30%
- Length of credit history15%
- Credit mix10%
- New credit / inquiries10%
Preview
The checklist, at a glance.
Here's a taste — unlock the full version with your email below.
Pull & review
- Pull all three bureau reports (Equifax, Experian, TransUnion)
- List every negative mark: charge-offs, collections, late payments
- Identify hard inquiries from the last 24 months
- Flag accounts you don't recognize (possible identity theft)
Dispute
- Dispute inaccurate, incomplete, or unverifiable items
- Send bureau-specific dispute letters (not one-size-fits-all)
- Track each dispute's 30-day response window
- Re-dispute anything that comes back 'verified' too fast
Build & fund
- Add a secured card or authorized-user tradeline to rebuild history
- Keep utilization under 30% (ideally under 10%)
- Set up autopay so no new lates undo your progress
- Get funding-ready: pull a soft overview of your loan options
Unlock it free
Get the full checklist in your inbox.
Enter your email and we'll send the complete 2026 Credit Repair & Funding Readiness Checklist straight to you — free, no catch.
CROA-compliant Secure & confidential $18M+ funding secured 87-pt avg increase