Credit Score Accelerator Guide

You're probably paying someone to tell you what you could learn for free. The credit repair industry nets $4 billion/year selling basic information that's freely available from the CFPB, FICO, and Equifax — they're selling you your own data at a markup. This skill is not another vague "pay your bills on time" advice sheet. It skips the fluff and gives you the exact sequence of actions that move scores, based on how credit bureaus actually calculate risk. What this skill refuses to do: promise overnight miracles. Credit scoring is a mathematical system with known inputs — anyone guaranteeing a 100-point jump in 30 days is selling you fiction. This guide works with the system's actual rules, not against them. What you get: CREDIT_ACCELERATOR_GUIDE.md — full breakdown of the 5 scoring factors and how权重 impacts your number. DISPUTE_LETTER_TEMPLATES.md — 6 ready-to-send templates for common negative items. UTILIZATION_OPTIMIZER.md — the 30% rule is wrong; here's the exact threshold that actually triggers score penalties. 90_DAY_ROADMAP.md — week-by-week action sequence with checkpoints.