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A storefront for the Cousin who wants practical help: free starters, deeper field guides, workbooks, webinars, and VIP support when you're ready for more.
Free Resources
No paywall, no catch. Foundations for every Cousin walking the road.
PROTOCOL
The Banking Protocol 2026
Why one bank says yes and another says no. ChexSystems, Early Warning, TeleCheck, and the protocol for opening accounts that approve.
DECODED
FICO 10T Decoded
The new scoring model. What it watches, what it rewards, what it punishes. Trended data, UltraFICO, VantageScore 4.0 explained.
Templates & Workbooks
Storefront-style learning tools for the Cousin doing the deeper work. Instant access through Stan Store.
REPORTS
The Subprime Reports Field Guide
The reports beyond Experian, Equifax, and TransUnion. LexisNexis. CoreLogic. ARS. Innovis. The ones lenders pull that nobody talks about.
PROFILE
The Builder's Profile™ Reference Guide
The financial profile that actually performs. Four-account structure, the under-10% framework, and the 90-day build sequence in one reference.
READY
The Mortgage Readiness Workbook
Twelve months out from your first home. The checklist, the worksheets, the timeline, the documentation lenders want, all in order.
Webinars & Workshops
Learn live, when it matters. From the free workshop to the live webinar series.
SERIES
The Live Webinar Series Pass
Four live workshops a year. Quarterly deep-dives on what's actually shifting in credit and money. FICO updates, banking changes, BNPL, scoring rollouts. Plus the full replay library. Submit questions in advance. Learn live, when it matters.
See everything in one place
The full Stan Store catalog with bundles, special drops, and announcements. Product checkout stays there; this page is the polished front door.
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Looking for the live community?
Free Credit Cousins Community on Circle. Live shows, weekly discussions, and a thousand cousins on the same path.
Join Free →Want the full Academy?
Credit Academy VIP membership. The Dispute Engine, the full library, monitoring, and live access. Heavy lifting handled.
Step Into VIP →All products on this page are educational reference materials and self-paced workshops. Nothing sold here is legal, financial, or credit-cleanup advice or services. Outcomes depend on the reader's own actions and circumstances. Results vary. For legal or financial advice specific to your situation, consult a licensed professional.