The 7 moves to clean up your credit, in the order that actually works — including the new rule that says you must dispute with the credit bureaus before the CFPB will even look at your complaint.

• The exact order: reports → errors → direct disputes → utilization → payment history → inquiries → monitoring
• Why a CFPB complaint filed too early gets discontinued — and when it becomes your power move
• The 30% utilization rule and the autopay habit that protects your progress
• An invite to our free Saturday Zoom classes (Business Fundamentals & Credit Fundamentals)

Free educational checklist. Not legal or financial advice. We never promise a specific credit score — anyone who does is selling you something.