CredX Masterclass

5-Day Credit Repair Masterclass

The complete DIY system for understanding your credit, removing inaccurate negatives, building positive history, and unlocking business funding. Plus a bonus day on generational wealth.

Enroll in the Masterclass Already enrolled? Sign in
The System

Your 5-Day Journey + Bonus Day

Each day builds on the last. By the end you have a complete credit repair, business credit, and wealth strategy.

01
Day 1

Credit Fundamentals

How scores work, what factors matter, and how to read reports correctly.

Read Day 1 →
02
Day 2

Disputes & Removals

FCRA rights, FDCPA protections, and the full dispute workflow.

Read Day 2 →
03
Day 3

Advanced Tactics

609 letters, debt validation, and escalation when bureaus stall.

Read Day 3 →
04
Day 4

Credit Building

Authorized users, secured cards, builder loans, utilization habits.

Read Day 4 →
05
Day 5

Business Credit

LLC, EIN, DUNS, Net-30 vendors, and business funding readiness.

Read Day 5 →
★
Bonus

Generational Wealth

Investing, real estate, and structure to protect what you build.

Read Bonus →
Day 1 - Credit Fundamentals
Day 1 · Credit Fundamentals

Understand how credit really works

Before you fix anything, you need to know what you're looking at. Day 1 is the foundation: how FICO is calculated, how to read a tri-merge report, and how to spot the items that are actually moving your score.

  • The FICO breakdownPayment history 35%, utilization 30%, length 15%, new credit 10%, mix 10%. Where your effort gets the most return.
  • Reading your report like a proHow to pull all three bureaus, what each section means, and what should never be there.
  • Errors that quietly hurt your scoreWrong addresses, duplicate accounts, mis-coded statuses, outdated negatives. A systematic line-by-line review.
FICOReportsBureaus
Day 2 - Disputes
Day 2 · Disputes & Removals

Your legal rights and the dispute workflow

The Fair Credit Reporting Act gives you a real toolkit — most people just don't know how to use it. Day 2 walks through the laws that protect you and the exact dispute workflow that forces investigations.

  • Your rights under the FCRAAccess, dispute, 30-day investigation windows, and remedies when those rights are violated.
  • FDCPA protection from collectorsWhat collectors can and can't do, validation requirements, and how to stop harassment.
  • The complete dispute processDrafting the letter, what evidence to attach, where to send it, and how to track responses.
FCRAFDCPADisputes
Day 3 - Advanced Tactics
Day 3 · Advanced Tactics

Escalation when bureaus stall

Standard disputes get most things removed, but some negatives need extra pressure. Day 3 is the escalation playbook — 609 letters, validation requests, and the regulatory levers that get bureaus and collectors to comply.

  • 609 letters: the verification dutyHow to demand verifiable proof under Section 609, when it works, and how to use it without overplaying it.
  • Validation requests for collectorsMake collectors prove the debt is theirs to collect. What "proper validation" really means.
  • Escalation when nobody compliesCFPB complaints, state AG, small claims — how to hold bureaus and collectors accountable.
609ValidationCFPB
Day 4 - Credit Building
Day 4 · Building Positive Credit

Add strong tradelines to push the score up

Removing negatives is half the work. The other half is replacing them with strong, consistent positive history. Day 4 covers the building blocks that move scores fastest without taking on real risk.

  • Authorized user strategyHow to find the right primary, what makes a tradeline strong, and how to use this to add years of history quickly.
  • Secured cards that actually build creditHow to choose, how to use, when to graduate, and the small habits that compound into score gains.
  • Credit builder loans and alternativesBuilder loans, rent reporting, utility reporting — how to combine multiple low-risk tools.
Authorized UserSecured CardsBuilder Loans
Day 5 - Business Credit
Day 5 · Business Credit & Funding

Separate personal and business credit for growth

Business credit is its own profile and it scales differently than personal. Day 5 builds the foundation correctly — entity, EIN, banking, vendor lines — so you can qualify for funding without leaning on personal credit.

  • Entity formation that builds creditLLC vs corp, EIN, business bank account, business licenses, and a credible profile lenders will trust.
  • Net-30 accounts: the foundationVendor lines that report to business bureaus. Which to start with and how to qualify with limited history.
  • Qualifying for credit lines and loansHow to leverage business credit into real funding — cards, lines, and term loans.
LLC/EINNet-30DUNSFunding
Bonus Day - Generational Wealth
Bonus Day · Generational Wealth

Build something that outlasts you

Credit is a tool. Wealth is the goal. The bonus day connects everything you've learned to the longer game — investing, real estate, passive income, and the structures that protect what you build for the next generation.

  • Real estate as a leveraged assetHow strong credit unlocks better terms, and how to use property as a long-horizon wealth tool.
  • Investing and passive incomeThe basics of putting capital to work without speculation. What "boring and consistent" looks like.
  • Trust structures and legacyHow to title and protect assets so what you build actually transfers to family.
Real EstateInvestingTrusts
Your turn

Enroll in the Masterclass

Just your name and email. We'll send you a link to set your password, and you'll land on Day 1 the moment you log in. No contracts, no intake forms.

We'll email you a one-time setup link. By enrolling you agree to receive course-related email from CredX. You can unsubscribe anytime.

✓

Check your email.

We just sent your password-setup link to . Click the button in the email, set your password, and you'll go straight to Day 1.

Don't see it in 2 minutes? Check spam, or write to contact@credxme.com.