Workshop Two

Once you understand the damage, the next step is to build a . Your goal is to stop reacting and start acting with strategy.

Begin by setting a specific, realistic goal — for example, “Increase my score by 80–100 points in 6–12 months” or “Qualify for a better auto or mortgage rate within a year.” Clear goals help guide your decisions.

Use credit monitoring tools and score simulators to see how actions like paying down debt, removing negatives, or adding new accounts might affect your score over time.

Finally, turn your plan into a month-by-month timeline that includes disputes, pay-downs, and any new credit you’ll add. A written plan keeps you focused, organized, and in control.