Credit Score Accelerator Guide

You applied for a mortgage and got a 6.8% rate instead of the 5.9% rate your co-worker got. The difference was 58 points on your credit score. At $400,000 borrowed over 30 years, those 58 points cost you $73,000 in additional interest. Your score was 659. Your co-worker's was 720. The gap between those scores wasn't years of history or terrible financial behavior — it was a 34% credit utilization ratio instead of 8%, one medical collection from 2021 that was never disputed, and an authorized user status you forgot to add. All of it fixable in under 90 days if you know the sequence.

The Credit Score Accelerator Guide is a 90-day action plan that breaks down the 5 FICO score factors, identifies your fastest improvement levers, produces a week-by-week action timeline with specific tasks, shows you exactly how much to pay down on each card to move utilization below 30% and then below 10%, provides dispute letter templates for the items most likely to be removable, and includes the authorized user strategy and other rapid-gain tactics that most credit advice omits.

What you get:

• SKILL.md — Complete 90-day protocol: score factor audit, rapid improvement tactic bank, utilization calculator, dispute templates, authorized user guide, and progress tracking
• LISTING.md — Product page (this file)
• MANIFEST.json — Machine-readable product metadata

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Pricing Rationale

Credit repair services charge $79–149/month to do what this skill guides you to do yourself — for free, because the actual tactics (dispute letters, utilization optimization, authorized user requests) are legal rights and free strategies that don't require a third-party company. This skill costs $5 and puts you in control of the process.

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Works Great With

• Credit & Debt Management Tracker (#44) — combine 90-day score work with full debt payoff planning
• Solopreneur Operations Kit (#54) — build business credit alongside personal credit repair
• Habit Science Engine (#45) — lock in monthly credit monitoring as a keystone financial habit

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Version History

• v1.0.0 — Initial release