// start free
Which Card First?
A free app that works on your phone or computer. Add your cards and get a game plan in seconds, with calendar reminders so you never miss the pay-by date.
Which card to pay first
Ranked by how much of each limit you're using.
Exactly how much
The dollar amount that gets each card under your target.
The day to pay it by
Three days before the statement closes, when the balance gets reported.
// the full system
The Comeback Bundle
Fix Your $h!t: The DIY Credit Comeback, plus the app and letter kit that put it to work. Three tools, one price.
The Book
Twelve chapters and a 90-day plan, current as of October 2026.
The Credit Comeback Budget App
Cards, budget, collections, cushion and your score line on one dashboard, with reminders. Works on any phone or computer.
The Clapback Kit
Six editable letters for bureaus, creditors and collectors, plus a dispute tracker.
Only want the book? Get it on its own for $19.
// roadmap
Personal Credit is Level One
- Level 1
Personal Credit
Clean up the report, rebuild the score, lock it down.
Unlocked - Level 2
Business Credit
Credit that belongs to your company, not your Social Security number.
Coming Next - Level 3
Wealth on Autopilot
Systems and AI doing the boring money work for you.
In the Works