As a Debt Rebel, your primary focus is to position yourself to Destroy Your Debts! 


To accomplish this, your focus inside of Credit on Fire Academy is to learn how to be in total control of your finances, to master the budgeting process, to learn how your debt impacts your credit scores, your goals and your future, to find ways to generate additional income, and to learn how to transform your financial behaviors so that you’ll never be held captive by your consumer debt again.


Mindset Shift: “If my debt is not tied to an income producing asset, it has to go!”


Once you’ve begun actively Destroying Your Debts, 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!

Projected Timeframe to Completed: 60-90+Days  

(depending on how many items you’ ll)  be disputing)


In the Ignite Phase, you are ready to put in the work to achieve the finances of your dreams:

  • Debt Free,   
  • Lit Credit Scores,   
  • A Budget that’ s Simple to follow and that Aligns with your Financial Goals, and  
  • To finally be on the right path to Creating Wealth that’ s Generational!


You' re not just ready for Lit Credit Scores, You' re Ready for a Permanent Financial Transformation!
  Let' s Werk!


Download Ignite’ s Success Guide - Milestones & Action Steps


Annual Members, you will have access to all courses right way.   Simply click on the blue “ *AM” link next to each class to gain immediate access.    



1. Welcome Lesson,
2. Budget Mastery Training, * AM  
3. 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.
4. Statute of Limitations,
5. #CreditBuildsWealth:   Overcoming Mental & Emotional Blocks to Manifest Your Goals with Latrice Sampson Richards, * AM
6. 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.
7. Budgets on Fire
8. Agencies to Freeze Your Reports With (If you have inquiries that are 6 months or younger, or public records reporting)
9. Rebuilding Your Credit - Tips & Resources - High Utilization Options
10. 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.


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 Debt Destroying Journey, Whoot Whoot!


You are going to take a deep dive into the courses inside the Academy to deepen your financial knowledge because you know this is the only way to ensure you'll never be in the position you are in now ever again!  Wealth creation happens when we make mental and financial progress month over month, year after year. The only way to do this is through education, and then applying what you’re learning. 


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 blue “*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:



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 Debt Rebel seeking an accountability partner.


When 60+% of your consumer debt is destroyed, (excludes student loans, mortgages, and vehicles over $15,000), and all of your credit scores are in the 700s Club, then move on to the next phase. Expect to spend roughly 6+ months in this Phase, and for those of you with larger debt loads, expect around 9-12+ months or so. 


This may be the longest phase for you, as it involves battling your financial habits, which can take some time.  Tap into your Community when needed, we’re here for you!



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 debts have decreased, 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 Credit on Fire Community: “I Am In the Debt Rebel’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 how you spend your money, how you use your credit, and 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.   Please read Glow-Up’s Success Guide for a full breakdown of your Milestones and Actions Steps before continuing:



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 Debt Rebel’s Glow Up Phase?


Time to move on to the next Phase!

FIYAH - Phase IV
Projected Timeframe to Complete:  9-18+ Months


Your Finances Are Radiant, Shining and Incandescent!   THEY ARE ON FIYAH!!!



You Have Mastered Your Money, Destroyed Your Debts, 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 inside of the Wealth Creators Community about your journey with the title:  I’m On FIYAH!!!!  


Contact our Community Outreach Manager at [email protected], 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!!!