Expert guidance to help you understand, build, and optimize your personal credit. From first-time credit builders to rewards maximizers.
Freedom Formation provides credit education only. We are NOT a Credit Repair Organization (CRO). All dispute letters are generated by you and sent by you. Results vary based on individual circumstances.
Your credit score is a 3-digit number (300-850) that represents your creditworthiness. Lenders use it to decide whether to approve you and what interest rate to offer.
Limited options, higher rates. Start with secured cards.
Most products available, competitive rates.
Best rates, premium cards, rewards focus.
Your FICO score is calculated from 5 main factors. Understanding these helps you improve strategically.
On-time payments are the most important factor. Set up autopay to never miss a payment. Even one late payment can significantly impact your score.
Keep balances low relative to limits. Under 30% is good, under 10% is excellent. Pay before statement closes and request credit limit increases.
Credit age, account types, and new applications. Keep old cards open and space out applications. A mix of credit types (cards, loans) helps.
Real results from people who improved their credit with our guidance
“Started with a 620 score and built it to 740 in 8 months. The coaching calls were invaluable - they explained everything clearly and gave me a step-by-step plan.”
“The credit monitoring dashboard helped me catch errors on my report early. Disputed them and saw my score jump 45 points in 2 months.”
“Building credit as an ITIN holder seemed impossible. The personalized guidance made it achievable. Now I qualify for better credit cards and lower rates.”
Choose the program that fits your goals - expert guidance for every stage
Custom pricing available
Custom pricing available
Custom pricing available
Use our free tools to understand your credit situation and explore your options
Free guides and resources to help you succeed
Everything you need to know about personal credit building
With no credit history, you can establish a FICO score in about 6 months. Improving an existing score depends on your situation - our 90-day program typically sees 50-150 point improvements.
Still have questions? Contact our team
Join thousands who have transformed their credit with our help
Limited consultation spots available for personalized guidance
Join 500+ business owners who transformed their credit profile