A no-fluff field manual for people who want approvals, not theories. Learn to read your reports like an underwriter, fix errors fast, and build a profile lenders love. We break down FICO vs. VantageScore, utilization, age, mix, and inquiries—what actually moves the needle—then give you a simple, repeatable clean-up + build-up plan: which problems to tackle first, how to write tight letters, what to attach, the timelines to track, and how to run your file like a case.

Educational only. Separate we struggle. Together we prosper.