USA Finance — PDF Download
Fix Your Credit Score in 90 Days
A practical 90-day plan to move your FICO score — with dispute templates, a weekly tracker, and the exact steps that work.
$14
Once-off · Instant PDF download · No subscription
Get the Guide — $14 →
Instant download after payment
Real 2026 data — not generic advice
No upsell, no subscription
Why This Guide Exists
Your credit score is costing you money every single month.
Most people know their credit score roughly matters. Very few understand what actually drives it — which means they focus on the wrong things and wonder why nothing changes.
Trying to fix their score without knowing which factor matters most
Never disputed an error — and errors are more common than most people realise
Closing old accounts — one of the most common score-killing mistakes
Applying for multiple cards at once — triggering multiple hard inquiries
Carrying balances above 30% utilisation — the easiest fix most people miss
No system or timeline — trying random things with no way to track progress
What's Inside
Everything you need. Nothing you don't.
1
How Your FICO Score Is Actually Built
The five factors, their weights, and which two control 65% of your score.
2
Your 90-Day Action Plan — Week by Week
Exactly what to do in each of the 13 weeks — no guesswork, no generic advice.
3
Disputing Errors — The Process That Works
Step-by-step dispute process with letter templates ready to send to all three bureaus.
4
Credit Utilisation — The Fastest Lever
How to drop your utilisation fast and what each percentage point does to your score.
5
Payment History — Protecting Your Biggest Factor
Autopay setup, what to do if you have missed payments, and how long negative marks last.
6
Negotiating With Creditors and Collectors
Pay-for-delete letters, goodwill adjustment requests, and what actually works.
7
Building Credit From Thin File or Poor History
Secured cards, becoming an authorised user, and credit-builder loans explained.
8
After 90 Days — Keeping Your Score Moving Up
The habits that keep your score climbing once the initial work is done.
Who This Is For
This guide is for you if...
Your credit score is below 700 and you want to change that
You have been denied for a loan, card, or apartment because of your score
You are planning to apply for a mortgage in the next 6–12 months
You suspect you have errors on your credit report but don't know how to dispute them
You have tried to improve your score before but didn't see results
You want a specific week-by-week plan, not vague advice
What You Get
Instant PDF download
Real 2026 data & rates
Plain English — no jargon
Works on phone, tablet, laptop
No subscription or upsell
Ready?
A better score is not luck — it is a specific set of actions in the right order.
At $14, this guide costs less than one month of extra interest on a credit card balance.
$14
Instant PDF download · No subscription
Get the Guide — $14 →
✓ Instant download
✓ No subscription
✓ Real data
Free Tools to Use Alongside This Guide
