Your credit should support your life—not limit it.
Your Path to Credit Transformation
Through three strategic phases to build, upgrade, and protect your financial future.
PHASE 1
Funding Ready Intensive
Build an approval-ready, lender-trusted credit profile, and a stronger financial foundation.
This phase helps you move from uncertainty to control. We don’t just prepare your credit for financing—we help you understand how your decisions affect your future so you can move forward with confidence.
We focus on removing red flags, stabilizing your profile, and building smart credit habits that support your real-life goals—whether that’s buying a home, financing a vehicle, or simply knowing you’re ready when opportunity shows up.
What you’ll gain in this phase
A clear, step-by-step plan tied to your goals
An approval-ready, lender-trusted credit profile
Debt payoff and utilization guidance that supports long-term progress
Structure and accountability so you’re not guessing your next move
WHO IT'S FOR
The Funding Ready Intensive is best for those who’ve been denied financing, feel unsure where they stand, are stuck with low scores, or want clarity before making major financial moves.
Timeline: Most members complete this phase in 6–12 months
Length of time is based on your starting point and recommended by one of our experts.
Investment: memberships start at $240 per month (+ small setup fee) or a discounted $1,200 for 6 months.
*Note: All memberships require an active MyFreeScoreNow account ($1.00 7-day trial, then $24.97/mo) so our team can access your 3-bureau reports in real-time and provide immediate strategy updates.
PHASE 2
Premium Funding Mastery
Take your credit to the next level to qualify for better rates, better terms, and stronger leverage
Once your credit is strong enough to get approved, this phase focuses on improving the quality of those approvals—and helping you think beyond the next application. We work with you to upgrade your profile so lenders see lower risk, which opens the door to better rates, better terms, and more flexibility. Just as importantly, this phase helps you learn how to use credit as a tool—to support wealth-building, opportunity, and long-term stability.
What you’ll gain in this phase
Higher-quality approvals with better terms
Strategic positioning for premium lenders
Smarter use of credit to support bigger financial goals
Guidance on leverage, not just borrowing
WHO ITS FOR
The Premium Funding Mastery is best for those who who are already approval-ready and want to use credit intentionally.
Timeline: Most members complete this phase in 6–12 months
Note: this phase is available to members who graduate from Phase 1 or already have a strong credit foundation.
Investment: $1,200 per 6 months (flexible payment plans available over 30 days)
*Note: All memberships require an active MyFreeScoreNow account ($1.00 7-day trial, then $24.97/mo) so our team can access your 3-bureau reports in real-time and provide immediate strategy updates.
Mastery Add-On: Business Funding Prep
Strategic alignment for members building toward entrepreneurship and higher-tier business leverage.
Once your consumer profile is lender-trusted, this add-on shifts the focus toward business credit readiness. We provide strategic positioning for premium lenders specifically for business purposes—helping you move from personal borrowing to professional leverage. This module ensures your business structure is aligned with lender standards so you can access higher capital limits and support long-term stability.
What you’ll gain with this add-on
Business Credit Alignment: Guidance on properly structuring your profile for business-specific lender trust.
Premium Funding Positioning: Strategic preparation for high-tier business credit cards and lines of credit
Leverage Strategy: Advanced education on using credit as a tool to build business equity and opportunity.
Funding Readiness Path: A clear sequence to move from consumer approvals to business funding when you are ready.
WHO IT'S FOR
The Business Funding Prep Add-On is best for those who have stabilized their personal foundation and are ready to position their credit as a wealth-building tool for business opportunities.
Investment: Additional fee of $600 (Totaling: $1,800) per 6 months (flexible payment plans available over 30 days.
*Note: All memberships require an active MyFreeScoreNow account ($1.00 7-day trial, then $24.97/mo) so our team can access your 3-bureau reports in real-time and provide immediate strategy updates.
PHASE 3
Credit Guardian
Protect what you’ve built, address issues early, and reinforce smart credit habits for long-term success
Strong credit isn’t something you fix once—it’s something you protect. After you’ve put in the work to build and upgrade your credit, this phase helps you maintain momentum and prevent setbacks. We focus on early issue detection, smart decision-making, and reinforcing habits that keep your profile strong over time. This phase supports long-term success by helping you stay intentional with credit—so future opportunities don’t require starting over.
What you’ll gain in this phase
Ongoing protection of lender trust and approval readiness
Guidance before major credit decisions
Early intervention when changes or issues arise
Confidence knowing your credit supports your life—not limits it
WHO IT'S FOR
Credit Guardian is best for those who who are already approval-ready and want to use credit intentionally.
Timeline: Ongoing
Note: this phase is available to members who graduate from Phase 2 or when recommended by one of our experts.
Ready to Rewrite Your Story?
We fight for the underdogs tired of hearing 'no.' If you’re ready to move from survival mode to strategy mode and finally own your future, we have the tools to make it happen.
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