Free Credit Resources
Everything we've built to help you — in one place.
No gatekeeping and (almost) no charge. Work through these in any order, at your own pace. When you're ready for hands-on help, that door is at the bottom of the page.
Find out where you stand
🎯 Free Credit Quiz — "What's Hurting Your Score?"
A few quick questions, about a minute, and you'll know what's most likely dragging your score down — and what to do first.
🧮 Debt Payoff Calculator
Line up your balances, rates, and payments, then see the two classic payoff orders side by side — smallest balance first (snowball) or highest rate first (avalanche) — with an estimated debt-free date for each. Your numbers never leave your browser.
Get a plan
📋 Credit Score Game Plan
The free 7-step checklist: pull your reports, dispute in the order that works now (directly with the bureau or furnisher first — CFPB only after the dispute closes or 45+ days pass), tame utilization, and build positive history.
💼 Funding Readiness Checklist
Thinking about business funding? This free checklist shows what lenders look for — and what to fix before you apply, so you hear "approved" instead of learning the hard way.
Learn
🎙️ The Credit Works Pro Podcast
Short, plain-English episodes on disputes, hard inquiries, how credit repair actually works, business funding, and the CFPB's direct-dispute-first rule. Listen on Amazon Music or wherever you get podcasts.
📺 Free Saturday Sessions (Zoom)
Live teaching with Fletcher, alternating Saturdays: Business Fundamentals and Credit Fundamentals. Bring your questions — Q&A is built in.
→ See the schedule and join free
🎬 Session Replays
Missed a Saturday? Past session recordings live here, free with an email signup.
📰 The Monthly Newsletter
One email a month: a credit tip that actually matters, upcoming session dates, and what's new. No spam, no daily blasts.
❓ The FAQ
How credit repair works, what it costs (full pricing, including the $25/mo audit fee and monitoring), what to expect in the first 30–90 days, and how to get started — answered straight.
Go deeper
🛒 The Credit Works Pro Shop
The Credit Repair Course, DIY Dispute Letters Pack, the Business Funding Playbook, the Ultimate Homebuyers Handbook, the magazine, and the merch line — instant downloads and straight pricing.
🚀 Start Here
Not sure which of these fits you? The Start Here page sorts it in about ten seconds, by situation.
Resources are free. So is the first conversation.
When you're ready for someone in your corner, book a free consultation — we'll review your reports together and give you a straight answer.
📞 (877) 461-3755 · ✉️ info@creditworks.pro
Book a free consultation · www.creditworks.pro
Credit Works Pro provides credit repair and business funding guidance. We never guarantee a specific credit score or outcome; first results typically appear within 30–90 days.