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DueSmart — The Credit Reset Course. Audit, correct, rebuild, and protect your credit. 12 guided modules and a 90-day action plan.

DueSmart — The Credit Reset Course

2026 evidence-based edition

Audit, correct, rebuild, and protect your credit with a lawful 90-day system grounded in current CFPB, FTC, and federal guidance—without fake loopholes or guaranteed-deletion claims.

Start Module 1 →See the 90-day plan
Founding access: $47 for the first 20 students →
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Course foundation

Know the file.
Control the process.

A score is not your worth. It is one model's reading of information in a report. This course teaches you to improve the underlying facts and behavior—not chase mystery points.

01 — ACCURACY

Correct facts, not history

Challenge information you genuinely believe is inaccurate or incomplete. Never manufacture a dispute or identity-theft claim.

02 — STABILITY

Stop new damage first

Protect payment dates, cash flow, and identity before attempting any score optimization or new application.

03 — EVIDENCE

Document every step

Preserve reports, statements, letters, delivery records, confirmation numbers, results, and deadlines in one command file.

!
DocTA Dwight's non-negotiable rule

Dispute only information you genuinely believe is inaccurate or incomplete. Do not create false documents, make a false identity-theft report, or use the complaint process to evade accurate debt.

12-module curriculum

Your complete
credit reset system.

Open each module, complete the action, and mark it finished. Your progress stays saved in this browser.

01What Credit Really MeasuresReports, scores, underwriting, and the five FICO categories+

Core lesson

You do not repair a score directly. Improve the report data models read and build dependable behavior over time.

Action

  • Choose one real financing goal.
  • Set a realistic date.
  • Use the goal to filter every action.
Foundation
02Build Your Credit Command FilePull all reports, audit four ways, and rank evidence+

Four-pass audit

  • Identity and addresses
  • Accounts and payment fields
  • Collections and public records
  • Hard and soft inquiries

Five folders

  • Reports
  • Account evidence
  • Disputes
  • Secure identity records
  • Timeline and deadlines
Organize
03Dispute Errors the Right WayEvidence-first letters, 30–45 day timing, and CFPB escalation+

Strong dispute anatomy

  • Exact reported field
  • Correct fact
  • Documents proving the point
  • Specific correction requested

CFPB truth check

Official sample letters are frameworks—not secret deletion forms. There is no general five-account limit, and certified mail can preserve proof of delivery.

Correct
04Personal Information & InquiriesCorrect identity data and separate legitimate access from fraud+

Hard vs. soft

Hard inquiries generally follow credit applications and may affect scores. Your own report checks and many account reviews are soft inquiries and do not affect scores.

Unknown inquiry sequence

  • Match date to applications.
  • Identify alternate company names.
  • Request the authorization basis.
  • Use identity-theft steps if fraudulent.
Verify
05Collections Without GuessworkValidate, verify, negotiate, and document without reviving risk+

Before paying

  • Identify the owner and original creditor.
  • Compare amount, dates, and notices.
  • Understand state limitation issues.
  • Get settlement terms in writing.

Court papers are different

A validation letter never replaces a response to a summons, garnishment notice, arbitration demand, or court deadline.

Validate
06Complex AccountsMedical debt, student loans, repossession, foreclosure, and bankruptcy+

Issue-specific facts

Start with the governing documents: itemized bills, explanations of benefits, loan status, sale notices, court dockets, or discharge orders.

No universal loophole

A bureau policy, state law, account rule, or court order may apply narrowly. Confirm current rules before acting.

Investigate
07Identity Theft & File ProtectionFreeze first, create the recovery record, and stop new damage+

Protective sequence

  • Freeze all three nationwide files.
  • Secure email and phone recovery.
  • Use IdentityTheft.gov when appropriate.
  • Close or restrict compromised accounts.

Legal warning

Identity-theft reports are for genuine theft. Filing a false report to remove debt you incurred may create criminal and civil exposure.

Protect
08Rebuild Positive CreditA thin, calm system of controlled use and dependable payments+

The rebuilding ladder

  • Stabilize cash flow.
  • Protect due dates.
  • Use one appropriate reporting account.
  • Keep revolving usage controlled.
  • Graduate slowly.

Remember

You do not need to pay interest to build a score. A card can report controlled use while you pay the statement balance in full.

Rebuild
09Utilization & Debt PaydownReduce reported strain without sacrificing essential cash flow+

Formula

Reported revolving balance ÷ revolving credit limit = utilization. Both overall and individual-card usage may matter.

Choose your method

  • Avalanche for interest savings
  • Snowball for momentum
  • Utilization-first before an application
  • Hybrid for balance
Lower strain
10Apply for Credit StrategicallyPrepare the report, compare total cost, and protect future options+

Pre-application gate

  • Review the reports likely to be used.
  • Control balances before reporting.
  • Avoid unrelated applications.
  • Compare APR, fees, term, and total cost.

Use a denial

An adverse-action notice identifies reasons and the reporting company used. Treat it as a diagnostic document before applying again.

Prepare
11The 90-Day Credit ResetCollect, investigate, submit, build, verify, and escalate+

CFPB escalation gate

For inaccurate or incomplete reporting, dispute directly with the reporting company first. Do not file a CFPB complaint while that dispute is active unless at least 45 days have elapsed; follow current portal instructions.

Complaint packet

  • Marked report page
  • Direct dispute and proof
  • Result or elapsed-time record
  • Relevant evidence
  • Precise requested resolution
Execute
12Keep the GainsA 20-minute monthly routine that protects your progress+

Monthly

  • Confirm payments cleared.
  • Review balances and fees.
  • Update payoff and cash buffer.
  • File important correspondence.

Quarterly and annual

Rotate fresh reports, review inquiries and account changes, then compare all three reports before a major application.

Maintain
Practical tools

Calculate. Document.
Take the next action.

Use the calculator to understand reported revolving utilization, then copy the template that fits your documented issue.

Utilization Calculator

Adjust the reported card balance and limit. This is educational—not a score prediction.

Reported utilization30.0%

Letter & Tracking Templates

Copy a clean starting structure. Replace every bracketed field and attach only relevant evidence.

Credit bureau disputeExact field, correct fact, evidence, requested correction
Direct furnisher disputeSend to the company's designated dispute address
Debt validation responseUse the collector's notice and stated response window
CFPB complaint narrativeUse only after the required direct-dispute stage
Dispute call logDate, company, method, result, next deadline
Audit worksheetBureau, field, evidence, priority, action, result
90-day roadmap

Move in order.
Measure what matters.

Track corrected fields, on-time months, balances, utilization, cash reserves, and financing cost—not one daily consumer score.

Days 1–7

Stabilize & collect

  • Protect every due date.
  • Pull all three reports.
  • Freeze files if needed.
  • Choose three priorities.
Days 8–30

Investigate & submit

  • Collect reliable evidence.
  • Separate errors from accurate negatives.
  • Send focused disputes.
  • Record every deadline.
Days 31–60

Build

  • Continue current payments.
  • Reduce target balances.
  • Avoid unnecessary applications.
  • Review incoming results.
Days 61–90

Verify & escalate

  • Confirm corrections.
  • Send evidence-based follow-ups.
  • Use CFPB or legal channels when appropriate.
  • Write the next plan.
Founding Student Offer

Start Your Credit Reset

Get access to The Credit Reset Course for $47 before the price increases. This founding price is limited to the first 20 students, and the price rises as the course expands.

Founding Student Offer

The Credit Reset Course

$47one-time access

Available to the first 20 students.

Get Founding Access — $47

Educational credit guidance. No score increase, deletion or approval is guaranteed.

What you get today

  • All 12 credit-reset modules
  • The complete 90-day action plan
  • Credit audit worksheets
  • Dispute and validation templates
  • Utilization and debt-paydown tools
  • Ethical, evidence-based guidance

Launch pricing

  1. $47First 20 studentsNow
  2. $79Early-access price
  3. $97Expanded course price

The course moves to $97 after videos, quizzes, a printable workbook and verified student feedback are added.

Coming to the course

Planned additions — not yet included at today's price:

  • Video lessons
  • Module quizzes
  • Printable workbook
  • Verified student feedback
DocTA Dwight

Accuracy first.
Your reset starts now.

Open Module 1, define the goal, and build your credit command file. Steady, documented action is the strategy.

Get founding access — $47 →