BUILD YOUR OWN 800 CREDIT SCORE- The FICO Rules, Dispute Letters, Authorized Users, and Industry Secrets That Credit Repair Companies Charge You Thousands For

A friend of mine paid five thousand dollars to a credit repair company. Six months later, his score was right back where it started. The negative items they "removed" came back. The authorized user accounts they rented disappeared after sixty days. He spent five thousand dollars to borrow someone else's credit history for two months. And the worst part was not the money. It was the time.

This book gives you ever ything those companies charge thousands for. How FICO actually calculates your score. Which version of your score lenders actually use. Why Credit Karma shows a different number than your mortgage officer sees. How to write your own dispute letters for free. How to build your credit from scratch with a secured card and a monthly routine that takes five minutes. How authorized users, tradelines, and shelf corporations really work, what they actually cost at the source, and why they fall apart at the underwriting table.

If you are going to fix your credit, do it yourself. If you are going to take a shortcut, at least stop overpaying for it. Either way, this book makes sure you never need to pay anyone again.

If you have ever Googled "how to fix my credit'"' and felt lost, this is the book that makes it click.

Charles Patton is a real estate investment consultant, author, and founder of the It's My Destiny coaching ecosystem at ItsMyDestiny.com. He has spent decades helping people build businesses, buy properties, and take control of their financial futures. He lives by one principle: never turn anyone away because they do not have money. That is when they need help most.