What's Inside My Crazy Genius DIY Starter Kit:

• Quick Start Cheat Sheet – 5 fast steps to begin (get reports, prioritize, dispute, track, follow up).

Core Chapters

1. Basics & Key Terms – understanding FICO vs. VantageScore, score factors, utilization.
2. Order & Read Your Reports – how to pull all 3 bureaus, spot red flags, check personal info.
3. Prioritize What to Fix – which errors and accounts to target first (collections, late payments, utilization, personal info errors).
4. Laws That Protect You – deep dive into FCRA, FDCPA, and how CFPB complaints work.
5. Dispute Strategy – step-by-step on when to dispute with bureaus vs. furnishers, and how to make a strong dispute letter.
6. Tracking & Evidence – timelines, certified mail, documentation, and 30/60/90-day workflow.

Advanced & Growth

1. Escalation Strategies – CFPB complaints, attorney actions, small claims court.
2. Rebuilding – payment history, utilization hacks, adding positive accounts, credit mix.
3. Advanced Tools – re-aging violations, pay-for-delete negotiations, settlements.
4. Sample Case Studies – real world examples of how strategies worked (Jane Doe collections removal, Robert Martinez mixed files).

Resources & Templates

• Appendix A: Letter Templates
• Initial Bureau Dispute Letter
• Debt Validation Letter
• Pay-for-Delete Agreement
• Appendix B: Addresses & Resources
• Equifax, Experian, TransUnion dispute addresses
• CFPB complaint info
• Quick Reference: Key Laws & Citations
• FCRA, FDCPA, FCBA with section references

Wrap-Up & Action

• Take Action Today roadmap
• Motivation to stay consistent and celebrate wins