CredX Masterclass

5-Day Credit Education 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.

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The System

Your 5-Day Journey + Bonus Day

Each day builds on the last. By the end you have a complete credit education, 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  • Errors that quietly hurt your scoreWrong addresses, duplicate accounts, mis-coded statuses, outdated negatives.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 can resolve some inaccurate or unverifiable reporting, but harder negatives may need better documentation and escalation. Day 3 is the escalation playbook — verification letters, validation requests, and the regulatory levers that help bureaus and collectors respond properly.

  • 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

One-time $47 payment. After checkout, CredX sends your password setup link so you can start Day 1.

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No subscription and no recurring charges. By purchasing you agree to receive course-related email from CredX.