Welcome to Next Tier Credit — I’m glad you’re here.
If you’re feeling overwhelmed, frustrated, or stuck when it comes to your credit score…
You’re in the right place.
And no matter where you’re starting today, your credit is 100% fixable.
You don’t need to be perfect.
You just need a plan — and you’ll find that plan right here.
🟦 Step 1: Know Where You’re Starting
Before you can fix anything, you need to understand your report.
Start by checking your score using one of these:
✔ Credit Karma for TransUnion & Equifax (tracking + alerts also free)
✔ Experian (free)
✔ IdentityIQ (most accurate)
Look at:
• Late payments
• Collections
• Credit utilization
• Accounts you don’t recognize
This is your foundation.
🟦 Step 2: Clean Up Errors (If You Have Them)
One incorrect item can drop your score by dozens of points.
Use the dispute letter in the Credit Builder Starter Kit to fix:
• Accounts that aren’t yours
• Wrong late payment dates
• Duplicate accounts
• Incorrect balances
Most disputes are resolved in 30 days.
🟦 Step 3: Build New Positive Credit Lines
If your credit is struggling, this part will change everything.
Start with ANY of these:
✔ Self Credit Builder Loan
✔ Chime Credit Builder
✔ Kikoff
✔ Experian Boost
✔ Grow Credit
Just ONE new positive line can make a major difference.
🟦 Step 4: Lower Your Utilization (Fastest Score Booster)
This one step alone has raised people’s scores by:
+30 to +100 points.
Aim for:
Under 30%
Under 9% is ideal
Tricks:
• Pay cards before the statement date
• Request credit limit increases
• Spread purchases across cards
• Use debit for larger purchases
🟦 Step 5: Control Your Money (Not the Other Way Around)
Credit grows when your finances are simple and steady.
Try:
✔ Automated payments
✔ A basic budget
✔ Tracking your bills
✔ Using cash for non-essentials
You don’t need a strict budget — just a predictable one.
🟦 Step 6: Track Your Wins
Progress = motivation.
Use the Score Tracking Log inside the Starter Kit to track:
• Score changes
• New credit lines
• Lowered balances
• Dispute results
Every win — even small — matters.
🟦 Step 7: Get the Free Credit Builder Starter Kit
This is your roadmap.
Inside you’ll find:
✔ The 90-day plan
✔ Templates
✔ Trackers
✔ Worksheets
✔ Dispute letters
✔ Tips and tools
Download it below:
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