A 90-day credit reset workbook
REVIEW THE FACTS.
PLAN THE NEXT
90 DAYS.
It is an educational and organizational workbook for reviewing your credit reports, organizing priorities, and planning your next 90 days.
Educational workbook
THE CREDIT
RESET KIT
Credit Report Audit
What to Fix First
Your 30 / 60 / 90-Day Credit Reset
EDUCATIONAL + ORGANIZATIONAL WORKBOOK
KNOW WHAT'S HURTING YOUR CREDIT. KNOW WHAT TO DO NEXT.
Inside the workbook
A CLEAR PLACE
TO BEGIN.
Start with the details on your reports. Then organize your priorities before you decide on a next step.
CREDIT REPORT AUDIT
Pull and compare all three nationwide reports. Review identity details, account ownership, balances, limits, payment history, collections, and inquiries.
WHAT TO FIX FIRST
Organize possible errors, high revolving utilization, duplicate reporting, and future payment history before deciding what deserves attention first.
UTILIZATION & PAYDOWN
Calculate your reported revolving utilization, list balances and limits, and choose a balance-reduction approach that fits your budget.
30 / 60 / 90-DAY RESET
Use a clear schedule to audit and stabilize, act and organize, then measure and maintain your progress.
Keep the record straight
ORGANIZE WHAT
COMES NEXT.
The later pages help you keep follow-up notes, review collections and inquiries, track your 90-day progress, and write down the habits and balances you want to prioritize.
Dispute preparation for information you genuinely believe is inaccurate or incomplete
Legitimate DIY dispute correspondence and a record of supporting documents
Collection account decision guide
Inquiry review worksheet
90-day progress tracker
My Credit Comeback action plan
EDUCATIONAL USE ONLY.
This workbook is educational and organizational only. It is not legal, tax, lending, or individualized financial advice.
Work from accurate information
It does not promise score increases, deletions, or approvals. Use disputes only for information you genuinely believe is inaccurate, incomplete, duplicated, mixed with another consumer's file, or otherwise improperly reported.
The workbook
THE CREDIT
RESET KIT.
One workbook for a more organized credit-report review and 90-day plan.
Start with the facts
MAKE A CLEAR PLAN FOR YOUR NEXT 90 DAYS.
Review your reports, organize your priorities, and keep a record of the next steps you choose.