Your credit score is a game. Here's the manual.
No suits, no scams. Start with a free tool that tells you which card to pay first, how much, and by what day.
Free: Which Card First?
A spreadsheet for Excel or Google Sheets. Type in your cards and it does the math.
- Which card to pay first
- Exactly how much
- By what day
What the free tool shows you
Which card to pay first
It ranks your cards by how much of each limit you're using.
Exactly how much
The dollar amount that gets each card under your target.
By what day
The pay-by date, three days before each statement closes.
Fix Your $h!t: The DIY Credit Comeback
The whole system in three files. Read your reports, dispute what's wrong, negotiate what's real, and rebuild with a plan.
The book
Twelve chapters, a 90-day plan, and links to every free official resource. Current as of October 2026.
The Credit Comeback Budget
Cards, budget, settlement fund, emergency cushion, and a score log, all feeding one dashboard.
The Clapback Kit
Bureau dispute, creditor dispute, debt validation, method of verification, goodwill, and pay-for-delete.
Only want the book? Get it on its own for $19.
Three levels. You're on the first.
Level 1: Personal credit
Clean up the report, rebuild the score, lock it down. Available now.
Level 2: Business credit
Credit that belongs to your company, not your Social Security number. Coming next.
Level 3: Wealth on autopilot
Systems and AI doing the boring money work. In the works.