Three programs. One mission: yours.
Whether you're rebuilding from a 480, stacking funding for your next venture, or learning to travel for free — there's a program built for your move.
Three Programs. One Mission: Yours.
Whether you're rebuilding from a 480 or stacking funding for your next venture — there's a program built for your move.
Backdoor Credit Reset
The proprietary system that removes negative items from your credit report — without paying off your debt.
Most credit-fix services fight items on the merits. We fight them on the FCRA violations. Every account on your report is required by law to follow specific reporting rules — and lenders break those rules constantly. We find the violations, document them, and force the bureaus to remove the items. Collections, charge-offs, repos, even bankruptcies: if there's a violation, it comes off.
- 120+ point average score jump over the program
- Built for sub-500 scores — no minimum to qualify
- Removes collections, charge-offs, late payments, and BK notations
- Works while you still carry the debt — no payoff required
- Dedicated account manager + weekly check-ins
How is this different from regular credit-fix services?
Most services send generic dispute letters. We audit each negative item for FCRA, FDCPA, and Metro 2 compliance violations and submit targeted legal challenges. Bureaus have to delete what they can't verify — and they almost never can.
How long does it take?
Most clients see meaningful score movement in 30-60 days. Full program runs 6-12 months depending on report complexity. Major outcomes (mortgage approvals, auto loans) typically happen within 6-10 months.
Will my score actually go up enough to qualify for what I want?
We map your specific goal (home, business funding, car) backward to the score and report you need. Strategy call is where we confirm fit — we won't take clients we can't deliver for.
Backdoor Funding Blueprint
Access up to $500K in business funding at 0% interest — no revenue requirements.
Once your personal credit is in shape, we stack you into business credit. The Blueprint walks you through building a lender-ready business profile — EIN, Paydex, trade lines — and then matching you to the exact 0% intro APR cards and SBA-adjacent products you can actually get approved for. Most clients pull $80K-$185K in their first 6 months.
- Up to $500K aggregate funding across business cards + lines
- 0% intro APR for 12-21 months on most cards
- No revenue requirements — works for brand-new entities
- Paydex score build-out (vendor stacking + reporting)
- Strategy session on optimal sequencing for your industry
Do I need an LLC or active business already?
We'll guide you through entity setup if you don't have one. Most clients form an LLC during onboarding — takes 1-3 days depending on state.
What if my personal credit isn't there yet?
We'll usually run you through BDCR first to clean your personal report, then move you into Funding. Personal credit is the lever that opens business credit.
Is this just balance-transfer churning?
No. We build a real business credit profile (Paydex 80+, vendor trade lines, business reporting). The 0% stack is one use of it — the long-term goal is to graduate you to lines, SBA loans, and equipment financing as the entity ages.
The Credit Club
Card rewards arbitrage that flies you first-class and stays you at luxury hotels — without paying retail.
Once your credit is healthy and you've got the right cards, the next move is rewards. The Credit Club is our community on Skool where members learn the exact stacks for flights, hotels, and points transfers — plus weekly live calls, member case studies, and a peer network of people doing the same thing. This is the lifestyle layer that sits on top of BDCR + Funding.
- Weekly live calls on card strategy, sign-up bonuses, and award booking
- Step-by-step playbooks for first-class flights and luxury hotels
- Manufactured spend tactics and category stacking
- Direct member-to-member chat (Skool community)
- Founder Q&A every month
Do I need great credit to join?
Not strictly — anyone can join the community. But the rewards strategies assume you can qualify for premium cards (Chase Sapphire, Amex Platinum, etc.), so 700+ scores get the most value. Sub-700 members often join while running BDCR in parallel.
What does it cost?
Membership pricing is on the Skool page. There's a free preview that gives you a feel for the content and pace before committing.
Is this really worth it if I just want to travel cheap?
Most active members offset their entire annual travel budget within the first 3 months by booking with points instead of cash. The 'cheap' framing is wrong — it's about flying business class for the cost of economy.
Not sure where to start?
Take the 60-second Credit Reset Quiz. We'll point you at the right program for your specific situation.
Take the Credit Reset Quiz