Resources
Work it out for yourself.
Two calculators, two guides and the checklist I use in paid sessions. All free, all yours, nothing held back for later.
The Credit Clarity Checklist
The same line-by-line walkthrough I use in paid sessions. How to read your report, the red flags most people miss, and a 30-day plan to start on. Work top to bottom, tick as you go.
One email to confirm, then it's yours. Unsubscribe any time.
Free calculators and budget tracker.
Put your own numbers in and read the answer. Both run in your browser, nothing to install.
Zero-Based Budget Tracker
Give every pound a job across fixed, flexible and future costs, with 50/30/20, 60/20/20 or 70/15/15 targets.
Open the tracker →
Affordability & DTI Calculator
Work out your debt-to-income ratio and what lenders think you can afford, before they tell you.
Open the calculator →Free guides.
The questions that come up most in real sessions, written down properly so you can read them at your own pace.
Go Deeper
Want the structured version?
The tools above each cover a piece. The toolkits put the whole thing in order, what to fix, in what sequence, with the letters and checklists written for you. The 1:1 is done with you; these are done by you, at your own pace.
The toolkits
Credit Repair Toolkit, Dispute Letter Templates, the Credit Report Audit Checklist, Debt Payoff Planner and more, or the 12-Month Money Makeover with every tool in it. Join the list for first access and launch pricing.
- Free to join, no card needed
- A room full of people doing the same work
- Start free, upgrade only if you want to
Or Skip The DIY
Want someone to read your file with you?
A 1:1 session goes further than any calculator, an hour on your actual report, and a written plan you leave with.
Book a 1:1 Session