Community Repair
Credit repair, handled with a clear rhythm.
Support from the operator doing the work.
A standardized done-for-you repair path with a three-bureau audit, written monthly report, strict 15-minute recap, group office hours, and education.
Founding Member rate: $77/month to RSC. Standard price: $97/month. Required SmartCredit monitoring is separate at $39/month. Founding pricing is available while the community is under 100 members. Join through the Credit Freedom Academy community on Skool.
Credit Freedom Academy is the classroom and group-support layer inside Community Repair.
Four things get posted in there.
Nothing else.
Every post belongs to one of these. If it does not fit, it does not go up, which is why the feed is worth reading rather than scrolling past.
Dispute Lab
The mechanics, one at a time. Why sending the same letter twice does not work. Why disputing everything at once can get the whole batch dismissed as frivolous. What actually changes between round 1 and round 2.
This is the pillar people join for and stay for.
Receipts
Results from live files as they happen, posted with the mechanic attached. Not a before-and-after screenshot on its own. What was challenged, what the furnisher could not produce, and why that made the item fall.
Money Moves
The part after repair. Separating personal and business credit, why your LLC has no credit yet, what lenders want to see before they fund you, and what funding ready actually looks like on paper.
The Operator's Take
Somebody posts "add 200 points in 30 days" and I take it apart. Not to dunk on anyone, but because knowing what is actually underneath a claim like that is the difference between getting helped and getting sold to.
Bring me the wildest credit claim you have seen. I will tell you what is really in it.
There is an actual curriculum
behind the service.
The Classroom gives the standardized service context. Start with the foundation, then use the group space for general questions and the monthly recap for your specific file.
How Credit Repair Actually Works
The foundation. Four lessons. Start here.
- L1The three bureaus and what they legally must do under FCRA 1681i
- L2Why a score changed and the factors that drive it
- L3DIY versus done-for-you and where DIY can hit a wall
- L4What a deletion is and what it is not
The Dispute Lab
Mechanic deep dives.
- L1Why disputing everything at once can backfire
- L2Round 1 versus round 2
- L3Collections and the records behind them
- L41681e(b), 1681i, and 1681s-2 in plain English
Money Moves: From Repaired to Ready
The education bridge. Builds over time.
- L1Why an LLC has no credit yet
- L2How lenders sequence preparation
- L3Personal and business credit separation
- L4What readiness looks like on paper
The Classroom is education and general support. It is not financial, legal, or tax advice. File-specific questions belong in the monthly recap, not in a public post.
Founding Member pricing
Community Repair is $77 per month.
The Founding Member rate is $77 per month to RSC for the standardized repair service, written report, strict recap, office hours, education, and standard processing. The standard future price is $97/month for new members after the community reaches 100 total members.
Required monitoring is separate
SmartCredit is a separate company. The selected plan can begin with a $1 trial and renews at $39 per month according to its terms. It gives RSC current three-bureau reports for between-round comparison, progress tracking, and next-round planning while the file is active.
During Founding Member pricing, your total monthly commitment is $116: $77 to RSC plus separate required $39 SmartCredit monitoring.
RSC may receive an affiliate commission from the SmartCredit signup. If you do not enroll with RSC, you can cancel SmartCredit directly with SmartCredit.
Join before the community reaches 100 members and keep the $77 Founding Member rate while your paid membership remains continuously active. Once the community reaches 100 members, new-member pricing becomes $97/month. If you cancel and return later, the current public price applies.
The paid Community checkout, agreement, and billing flow are not live in this local build. Do not send payment until that launch blocker is cleared.
Support with boundaries,
so the work stays useful.
What Community includes
- ✓General questions answered in the community during defined response windows.
- ✓File-specific questions handled in the strict 15-minute monthly recap.
- ✓Complex personal planning routed to Credit Comeback Direct.
- ✓Standard queue processing, not priority handling or immediate-response support.
Keep private information private
Do not post credit reports, Social Security numbers, account numbers, addresses, or private file documents in Skool. Community posts are for general questions and education.
Use RSC's secure intake for private information. If you need Michael to build a goal-specific plan, the Credit Fit Review will identify whether Direct is the right path.
Credit Freedom Academy content is education. It is not financial, legal, or tax advice.
What happens after you join
is defined before you pay.
Agreement and monitoring
Review the service terms and activate the separate SmartCredit account at $39/month.
Secure intake
Private reports and file documents go through secure intake, never into a community post.
Audit and activation
RSC reviews the three-bureau file and places it into the standard service cycle.
Monthly service cycle
The standard repair work, written report, and progress tracking move together.
15-minute recap
Review what changed, what RSC is doing next, and your one action before the next recap.
Next-step pathway
Stay with the standard path or move to private support when your file or goal needs more depth.
Before you enroll
- ✓The RSC membership is $77/month during Founding Member pricing. The total founding commitment is $116/month with separate SmartCredit monitoring.
- ✓SmartCredit is separate at $39/month and may begin with a $1 trial.
- ✓Community support is general. File-specific planning belongs in the recap or Direct.
- ✓Private documents use secure intake, not Skool.
A clear service rhythm.
Support when you need more.
Choose Community Repair when standardized work and defined support are the right fit. Use the Credit Fit Review when your goal needs private diagnosis and planning.
$77/month Founding Member rate to RSC plus separate required $39/month SmartCredit. The total founding commitment is $116/month. New-member pricing becomes $97/month when the community reaches 100 total members. Enrollment opens through the Credit Freedom Academy community on Skool.