Fix Your Credit — Without Paying Someone Else to Do It
This step-by-step course teaches you exactly how the credit system works, how to dispute errors using your legal rights, and how to build a stronger score — so you stop leaving money, housing, and opportunities on the table.
"The credit system has rules — and once you know them, you stop being at its mercy and start using them to your advantage."— Freddy Foster
What you'll learn
What you'll be able to do
- Accurately read and interpret all three of your credit reports from Equifax, Experian, and TransUnion
- Identify and formally dispute inaccurate, outdated, or unverifiable negative items with credit bureaus
- Write effective dispute letters and follow up with bureaus and creditors to get results
- Understand the five scoring factors that drive your FICO score and how to optimize each one
- Build a personalized 90-day credit repair action plan tailored to your specific financial situation
- Maintain and protect a healthy credit profile long-term to qualify for better rates, rentals, and opportunities
How it works
A school that adapts to you
This isn't a set of static videos. Every lesson is generated live and tuned to where you actually are.
We learn your level
A quick placement check tailors your starting point so you're never bored or lost.
Lessons adapt as you go
Each lesson is written for your pace and your goal, adjusting as your skills grow.
Your AI coach keeps you moving
Checkpoints, feedback, and gentle nudges turn progress into a real result.
The curriculum
What's inside your school
6 modules · 25 lessons
Understanding the Credit System
Lays the foundation by explaining how credit works, who tracks it, and why your score matters.
- 1.1How Credit Works and Why It MattersIncluded
- 1.2The Three Credit Bureaus ExplainedIncluded
- 1.3How Your FICO Score Is CalculatedIncluded
- 1.4Getting Your Free Credit ReportsIncluded
Reading and Interpreting Your Credit Reports
Teaches you to decode every section of your credit reports and spot what's helping or hurting you.
- 2.1Anatomy of a Credit ReportIncluded
- 2.2Understanding Account Statuses and TradelinesIncluded
- 2.3Spotting Red Flags and Negative ItemsIncluded
- 2.4Comparing All Three Reports Side by SideIncluded
Disputing Errors and Negative Items
Equips you with the knowledge and tools to formally challenge inaccurate, outdated, or unverifiable items.
- 3.1Your Legal Rights Under the FCRAIncluded
- 3.2What Can — and Can't — Be DisputedIncluded
- 3.3Writing an Effective Dispute LetterIncluded
- 3.4Submitting Disputes Online, by Mail, and by PhoneIncluded
- 3.5Following Up and Escalating When NeededIncluded
Optimizing the Five FICO Scoring Factors
Gives you actionable strategies to improve each scoring factor and raise your score deliberately.
- 4.1Payment History: Never Miss AgainIncluded
- 4.2Credit Utilization: Using Less to Score MoreIncluded
- 4.3Credit Age, Mix, and New InquiriesIncluded
- 4.4Becoming an Authorized User and Using Secured CardsIncluded
Building Your 90-Day Credit Repair Action Plan
Helps you create a personalized, prioritized roadmap to fix your specific credit situation fast.
- 5.1Auditing Your Starting PointIncluded
- 5.2Setting Realistic Score Goals and TimelinesIncluded
- 5.3Building Your Week-by-Week Action CalendarIncluded
- 5.4Avoiding Credit Repair Scams and Predatory ServicesIncluded
Maintaining and Protecting Your Credit Long-Term
Ensures your hard-won gains stick by building lasting habits and defending your credit profile.
- 6.1Building Credit-Healthy Financial HabitsIncluded
- 6.2Monitoring Your Credit and Setting Up AlertsIncluded
- 6.3Protecting Yourself from Identity Theft and FraudIncluded
- 6.4Leveraging Good Credit for Better OpportunitiesIncluded
Who it's for
Is this you?
The Collections Survivor
You've had accounts go to collections and need a clear, legal path to dispute, resolve, and rebuild without being taken advantage of.
The First-Time Home Buyer
You're ready to buy a home but your credit score is holding you back from qualifying for a decent mortgage rate.
The Recent Graduate
You're starting your financial life and want to build credit the right way from the beginning — before mistakes become expensive.
The Divorce Rebuilder
Your credit took a hit during a major life change and you need a practical plan to reclaim your financial independence.
The Skeptical DIYer
You've been quoted high fees by credit repair services and want to understand what they actually do — so you can do it yourself.
The Stagnant Score Optimizer
Your score has plateaued and you can't figure out why — you need to understand the five FICO factors to finally move the needle.
Questions
Frequently asked
Your teacher
A note from your teacher
Freddy Foster
If you've ever felt embarrassed, overwhelmed, or just plain lost when the subject of credit comes up — I want you to know that's not a personal failure. It's the result of a system that was never properly explained to you. Most of us were handed a credit card at 18 and left to figure the rest out on our own. And when things go wrong — a missed payment, a collections account, a score that won't budge — it can feel like the damage is permanent. It isn't.
I built this course because I kept watching smart, hardworking people overpay for loans, get turned down for apartments, and feel powerless about a three-digit number that was quietly running their financial life. The credit system feels like a black box, but it isn't one. It has rules, it has structure, and once you understand how it works, you can use it in your favor — without a law degree or a financial advisor on speed dial.
What we cover in this course is grounded in how the credit bureaus actually operate and what federal consumer protection law actually says you're entitled to do. We go step by step through pulling and reading your credit reports from all three bureaus, identifying exactly what's hurting your score, and writing dispute letters that get taken seriously. We cover the five factors that make up your FICO score in plain English — not because it's interesting trivia, but because knowing which lever to pull changes what you do next.
I know the objection: "Isn't this too complicated to do myself?" I built the entire course around proving that it isn't. By the time you've worked through the dispute section, you'll have more practical knowledge about your legal rights than most people who've been paying a credit repair service for months. And the 90-day action plan module exists specifically so you leave with a real, personalized roadmap — not just ideas.
Credit is one of the few areas of personal finance where knowledge alone genuinely translates into dollars and cents. Lower interest rates, better rental approvals, more financial options. I want that for you — and I designed this course to get you there with clarity, honesty, and zero fluff. Let's get to work.
— Freddy Foster
Start your journey today
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- 6 modules, 25 lessons
- AI-adaptive lessons tuned to your level
- Quizzes & checkpoints to lock in progress
- Your own AI learning coach
- Learn on any device, at your pace
- Full access for as long as you're subscribed