The Library.
All The Free Guides.
Sixteen guides covering banking reports, specialty files, report accuracy, credit building, and the foundations. Critical guides open right here on the site. Foundation pieces live in the free Cousins community.
π¦ Banking & Subprime Reports
The reports nobody talks about. Banking reports decide if you can open a checking account. Subprime files track the lending most Cousins don't realize is being recorded.
If You've Ever Had a Checking Account Closed
The five banking reports that decide if you can open a new account. ChexSystems, Early Warning, TeleCheck, and the two most people don't know exist.
Read the guide β5 Subprime Reports To Pull (Payday, BNPL, Auto)
LexisNexis. CoreLogic. CLARITY. Innovis. ARS. The lender files most Cousins don't know are tracking them. How to pull each one for free.
Read the guide βUnderstanding the Role of Third-Party Bureaus
An intro to what third-party bureaus are, how they're different from the big three, and why they matter for your full financial picture.
Read in the Cousins Community ββοΈ Report Accuracy
The tactical work. Collections, deadlines, documentation, and the consumer protections that back you.
Should You Pay After A Collection Is Removed?
The question every Cousin runs into. The legal answer, the strategic answer, and what happens if you do nothing.
Read the guide βWhat To Do When Collections Reappear After Removal
Reinsertion has notice requirements. Learn the federal rights, documentation steps, and follow-up path.
Read the guide βHow To Respond To Bureaus' Frivolous ID Requests
When the bureaus ask for ID for the seventh time, they're stalling. Here's how to break the loop with the law on your side.
Read the guide βStatute of Limitations on Old Debts
Two clocks running on every old debt. The legal one says when collectors can sue. The credit reporting one says when it falls off your file. They are not the same clock.
Read the guide βUnderstanding Collections and Charge-Offs
The 101-level breakdown. What a collection actually is, how a charge-off differs, and the lifecycle of each.
Read in the Cousins Community β𧱠Credit Building
The offense, not the defense. Building the profile that opens doors instead of just patching the holes in the one you have.
The Builder's Profileβ’
My signature credit-building methodology. Four primary accounts, the right mix, the utilization band that wins. The system that actually moves scores.
Read the guide β30-Day Credit Score Improvement Plan
A four-week structured plan. Foundation in week one, report review in week two, optimization in week three, verification in week four. Action items by day.
Read the guide βHow To Pay Your Credit Card (The Right Way)
Statement date vs due date. The four-step strategy the top 1% use. When to pay, what to pay, and the timing that protects your score and your money.
Read the guide βπ The Foundations
The 101-level material. Read these in the free Cousins community where they belong, alongside the live shows where I teach them in depth.
Your Rights Under the FCRA
The Fair Credit Reporting Act gives you specific, enforceable rights. The full breakdown of what you can demand and from whom.
Read in the Cousins Community βUnderstanding Your FICO Score
The five factors and how each one is weighted. Payment history, utilization, length, mix, new credit. The math behind the number.
Read in the Cousins Community βUnderstanding Your Credit Utilization
Why utilization is the second-most important factor. The ratios that hurt and the ones that win. How to read your own report for it.
Read in the Cousins Community βHow To Identify Discrepancies on Your Credit Report
The errors most Cousins miss because they don't know what to look for. Field-by-field walkthrough of what to check.
Read in the Cousins Community βHow To Read Your Credit Report
Your report front to back. Every section, every code, every label. Once you can read it, you can fix it.
Read in the Cousins Community βAll of it, in one place.
The free Credit Cousins community is where the foundations live, where the live shows happen, and where the family gathers. Pull up a chair.
Become a Credit Cousin β