We handle the disputes and report cleanup in the background. These plain-English guides — plus free, interactive tools — show you exactly what you do to build, protect, and grow your credit while we work.
How this works
We handle the disputes. We review your reports and work the dispute process on your behalf, in the background.
You build alongside us. These guides show you exactly what to do on your side — one simple move at a time.
New here? Start with these
Four guides, in order — the most important moves to make while we work on your reports.
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Who it helps: If you just enrolled and want to know where to start
The game plan for building positive credit in parallel while we clean up your reports — secured card, credit-builder loan, utilization, and authorized-user moves in a month-by-month sequence.
Who it helps: If you have a credit card or secured card
The fastest legitimate score lever you control: pay before your statement closes, target under 10%, and use the AZEO method — with worked examples.
Who it helps: If you need a reason to keep going
The dollars behind the number: what poor vs. excellent credit costs you on insurance, autos, and mortgages — plus your gap to the next tier.
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Jump straight to the tools clients use most — free, private, and built for active repair.
See exactly how much to pay before your statement closes to report a low utilization — plus a step-by-step AZEO plan across your cards.
Tell us your situation and get your best next move plus the right FundFoundr guide — while we keep handling your disputes.
Filter real starter products (secured cards, builder cards, credit-builder loans) by your score range and see which let you check with a soft pull.
Your complete library
Filter by what you need, or search by topic.
Who it helps: If you just enrolled and want to know where to start
The game plan for building positive credit in parallel while we clean up your reports — secured card, credit-builder loan, utilization, and authorized-user moves in a month-by-month sequence.
Who it helps: If you've been in repair a while and nothing's moving yet
What's actually happening during repair: realistic timelines, why scores can dip before they climb, and what to keep doing while we escalate.
Who it helps: If you have a credit card or secured card
The fastest legitimate score lever you control: pay before your statement closes, target under 10%, and use the AZEO method — with worked examples.
Who it helps: If you're actively working with us right now
The do/don't checklist that keeps one new late or a closed old card from erasing the progress our disputes create.
Who it helps: If you have credit-monitoring access
How to read your monitoring dashboard and reports — what each section means, what a deletion looks like when it lands, and what's worth flagging to us.
Who it helps: If you're nervous to even check your own credit
A one-page card on what triggers each pull type, which ones actually hurt, and the rate-shopping window — so you can check your credit freely.
Who it helps: If you have a collection on your report
A decision aid for collections: how paying or 'settling' can re-age a debt or waste money on something we're about to remove. Check with us first.
Who it helps: If you've seen credit "hacks" online and wonder what's real
A myth-vs-fact guide to the TikTok and Instagram 'hacks' — from carry-a-balance to CPNs — that quietly sabotage your file (and some that are crimes).
Who it helps: If your score dropped suddenly and it rattled you
A pick-what-changed flow for sudden score drops — paid off a loan, closed a card, balance reported — with the why and a realistic recovery window for each.
Who it helps: If you're keeping a clean file and want to protect it
A recurring 5-minute checklist — confirm autopay, keep balances under 10%, pay before close, scan for new accounts — that turns repair into lasting habit.
Who it helps: If items have started coming off your report
Use the monitoring you already have defensively: set bureau alerts, freeze your credit, and watch for reinsertion so deletions don't quietly come back.
Who it helps: If you need a reason to keep going
The dollars behind the number: what poor vs. excellent credit costs you on insurance, autos, and mortgages — plus your gap to the next tier.
Who it helps: If you're aiming at a goal — an apartment, a car, or a home
What each real-life goal actually requires once your file is clean — apartment, auto, and mortgage thresholds, timelines, and prep, in three mini-guides.
Who it helps: If you're ready to start building business credit
The legitimate sequence to business credit and funding — EIN to net-30 vendors to PAYDEX — with a fillable vendor tracker and a scam red-flag radar.
Try a different category or search term.
When you’re ready for more
These guides are your reference shelf. The FundFoundr course walks you through it all in short, self-paced lessons — start with Foundations.
Text or call 512-566-6770 (text) or 888-500-7954
Take action
Every interactive calculator, planner, and checklist — free, private, and built for active repair.
See exactly how much to pay before your statement closes to report a low utilization — plus a step-by-step AZEO plan across your cards.
A 5-minute monthly checklist plus the “don’t undo our work” do/don’t list, so progress sticks.
Answer a couple of questions and get pointed to the exact FundFoundr guide for what you’re trying to do right now.
Enter your score and a loan amount to see, roughly, what poor credit costs you vs. excellent — on autos, mortgages, and insurance.
Pick a goal — apartment, auto, or mortgage — and your score to see the typical range and how to prep for it.
Tell us your situation and get your best next move plus the right FundFoundr guide — while we keep handling your disputes.
Score dipped? Pick what changed and see why, how long it usually takes to bounce back, and your safest next move.
See which credit categories are realistic at your score range — and how to use a lender's soft-pull prequalification without hurting your score.
Filter real starter products (secured cards, builder cards, credit-builder loans) by your score range and see which let you check with a soft pull.
Educational tools only. Results vary. FundFoundr does not guarantee score increases, approvals, or removal of accurate information. These tools do not replace personalized financial, legal, or lending advice.