As a Credit Repairer (Repairer), your primary objective is to remove as many high-priority negative items from your credit reports as possible, while learning how to build and maintain Lit Credit Scores, so that you can begin leveraging it to Save, Own, and Build.
To accomplish this, your focus inside of Credit on Fire Academy is to:
- Identify the negative items that are affecting your credit scores the most,
- Create A Dispute Plan of Action to Tackle the accounts you have identified,
- Begin building Positive Credit by Building Positive Credit Habits,
- Learn how to Master the Budgeting process
- Continuously seek ways to Generate additional Income,
- Learn how to Transform your Financial Behaviors so that your less than perfect credit scores are a permanent part of your past!
Once you’ve begun actively Repairing Your Credit Scores, it’s time to begin mapping out your financial goals - both short and long-term. Your financial goals should align with the financial resources flowing into your household.
Following, I will break down the 4 phases that you will move through as you progress through the courses, live lessons, and live Q & A, Accountability and Support Group sessions inside of Credit on Fire.
In each phase, there will be Milestones and the Action Steps to achieve those Milestones. A downloadable Success Guide will be available inside of each Phase that fully outlines the Milestones, Action Steps, and Courses to complete.
Ready to Get Started?!!
AWESOME, Let’s Go!
Please Click On Each Phase to Get Started.
Ignite- Phase I
Projected Timeframe to Complete: 60-90 Days
In the Ignite Phase, you will lay the foundation to begin Soaring Your Credit Scores. You soon recognize that repairing your credit is waaaaay more than just sending dispute letters! It’s a 360 degree process, and you are R-E-A-D-Y!
You're not just ready for Lit Credit Scores, You're Ready for a Permanent Credit Transformation!
Let's Werk!
Download Ignite’s Success Guide - Milestones & Action Steps
Ignite’s Courses: I’d like for you to complete the following lessons in sequential order:
Start Here Lesson. NONE of this should be skipped, I don’t care if you think you have done everything here, I guarantee there is something you haven’t done, which is important to your success,
Goals on Fire - This is where you’ll identify what your values, beliefs, and priorities are so that you can align them with your money,
Agencies to Freeze Your Reports With (If you have inquiries that are 6 months or younger, or public records reporting),
Extra Credit: FICO On Fire: You can’t rebuild anything without understanding - clearly - how it’s calculated, and how your negative accounts are affecting your FICO Scores.
Upon completing each milestone detailed in Ignite’s Success Guide and Completing the courses above, you may move on to Phase II - Flaming by selecting it below.
Remember to Post your Completion Certificates to the Wealth Creators Community!
Flaming - Phase II
Projected Timeframe to Complete: 4-6+ Months
In the Flaming Phase, you are officially ready to begin your Credit Soaring Journey, Whoot Whoot!
Here, it is extremely important to stay organized and focused. Disputing and dealing with the credit bureaus and collection agencies can be very frustrating, so it’s imperative that you remain active in our Wealth Creators Community, and that you are present at our Livestreams, and that you schedule a Consultation/Hot Seat when necessary. This is not optional. It is mandatory to your success.
Ready to Get Started? Let’s Go!
Download FLAMING's Success Guide - Milestones & Action Steps
Flaming’s Courses: You will have access to all Basic + Intermediate Credit Repair Courses within 30-60 days of enrolling; some of the most popular ones are listed below.
Annual Members, you will have access to all courses right way. Simply click on the orange “*AM” link next to each class to gain immediate access.
Only complete the lessons that correspond to the items that are negatively impacting your credit profile, if any. Please read Flaming’s Success Guide for additional instructions before you begin disputing:
- Fire Your Medical Collections, *AM
- Fire Your Hard Inquiries, *AM
- Fire Your Collections (non-medical collections), *AM
- Fire Your Charge-Offs/Late Payments, *AM
- Fire Your Repossessions (Live Lesson Replay), *AM
- Fire Your Debts!, *AM
- Fire Your Student Loans, *AM
- Fired Up Dispute Letters, *AM
- Rebuilding Your Credit - Tips & Resources.
Along the way, if you’re unsure about anything,Ask!
An accountability partner would be great at this point if you do not already have one. Just post inside of the Credit on Fire Community that you are a Repairer seeking an accountability partner.
When roughly 60% of your negative items have been tackled, about 60% of your consumer debt has been eliminated (excludes student loans, mortgages, and vehicles over $15,000), and all of your scores are in the upper 600s-the 700s club, you are ready to move on to the Glow-Up Phase by selecting it below.
Remember to Post your Completion Certificates to the Wealth Creators Community!
Glow-Up - Phase III
Projected Timeframe to Complete: 6-12+ Months (depending on negative items reporting & debt load)
The Glow-Up Phase is where you will actually SEE your accomplishments. Your scores have soared, your disputes have gone well, and you are making a concerted effort to change the habits and financial behaviors that led to your less than perfect credit scores in the first place.
Wealth Creation starts here.
You’re building the emotional and habitual foundation to sustain Wealth BUILDING!
I soooo want to know when you get to this Phase!
So, Post in our Credit on Fire Community: “I Am In the Credit Repairer’s Glow-Up Phase!!!”
In this phase, your goals direct your money, and your credit habits are a reflection of that. So review your goals to ensure they are in alignment with what you truly desire.
Download GLOW UP's Success Guide - Milestones & Action Steps
Glow-Up’s Courses: The Mindset Lessons, Budgeting, Debt Elimination, Goal Setting, and #CreditBuildsWealth Masterclasses are important in this phase. These are some of the courses and Live Lessons that you will focus on.
Annual Members, please click on the blue “*AM” link next to each class to gain immediate access.
Please read Glow-Up’s Success Guide for a full breakdown of your Milestones and Actions Steps before continuing:
- Goal Slayin’ Budgets
- Budget Mastery Webinar, *AM
- Budget & Credit Q&A Replays
- How to Make Wise Financial Decisions
- Reflect, Release, Refocus
- Mindset: How to Build It & How to Kill It, *AM
- #CreditBuildsWealth Courses, * AM
- #SideHustle Courses, *AM
Check into your community often. Schedule Credit and Budgeting Consultations if needed, to ensure you're in alignment with your goals,
Take courses that will support YOU in getting to that next level. Transparency is important here :)
This is THE time for you to put your Credit on Fire Affiliate Link to use. Share your journey with your friends, family and colleagues. Let them know that Great Credit can be achieved and that a community exists where they can comfortably learn all of the Financial Lessons that we were not taught while growing up… And then share that affiliate link! LBVS
People need a safe, supportive community that they can grow in, and Credit on Fire is it!
Crushed all of the Milestones in Credit Repairer’s Glow Up Phase?
Time to move on to the next Phase!
FIYAH - Phase IV
Projected Timeframe to Complete: 9-18+ Months
Your Credit is Radiant, Shining and Incandescent! IT IS ON FIYAH!!!
You Have Soared Your Credit Scores, and are now ready to begin firing up other areas of your finances in order to begin creating the freedom lifestyle and prosperity you desire.
You are officially ready to begin Creating Wealth!
It’s time to brag on yourself a lil’ bit, because you have been working HARD, and we’re so very proud of you. Post to the Wealth Creators Community about your journey with the title: I’m On FIYAH!!!!
Contact our Community Outreach Manager to schedule a “Wealth Creator on FIYAH” segment to share your journey and to empower and encourage other Wealth Creators who so need a boost right now (gift is included!).
Download FIYAH's Success Guide - Milestones & Action Steps
In this phase, the student becomes the teacher. You will support your fellow Wealth Creators, while continuing to grow and maintain your financial habits, credit scores, and budget. You’ll continue working on reducing your debts and taking the wealth building courses inside of the Academy. Remember, we add new wealth building courses every quarter, so suggesting wealth building courses that will further push you towards accomplishing your goals is a must in this phase!
This is when Credit on Fire becomes more customized for you. By suggesting classes on topics you are interested in, you are further solidifying your knowledge so that you can begin implementing what you have learned.
Prior suggested Wealth Creator Courses Include:
- How to Be a Notary Republic,
- How to Build Business Credit,
- How to Purchase Your First Investment Property,
- How to Invest in Tax Liens,
- How to Invest in the Stock Market,
- All About Estate Planning,
- How to Invest in Marijuana.
See the trend? These are EXCELLENT topics to begin putting your money to work for you! I can’t wait to hear your suggestions and watch your Wealth Creation Moves!!!