Pull all 3 reports
Get every report the right way, without paying for junk services.
DIY CREDIT REPAIR
Learn how you can remove collections and build your credit 400Score+200 pts in 30–90 days
Join a community of thousands using the exact system over 10,000+ people have used to rebuild their credit. Start free, or accelerate with AI.
Heads up: the free training opens September 18. Credit Rebuild AI is ready today.
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People taught
$0M+
Negatives removed
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Clients served
Across our credit restoration company and programs. Results vary.
GET THE SYSTEM, FREE
The complete system. Actually free.
We're not giving you a couple of tips and charging you for the process. We're giving you the process, step by step. You do it manually, and you never have to upgrade.
Find every negative account
Identify exactly what is holding your score down.
Letter templates for every round
From your first dispute to the final round.
Mailing & tracking system
Know what you sent, when, and what comes next.
No-response escalation
What to do when a bureau stays silent.
Complaint escalation walkthrough
The formal next step when disputes stall.
Opens September 18. Join now; the training unlocks that day.
No card required. Join the community and start today.
THE SYSTEM, PLUS THE MACHINE
Credit Rebuild AI
Same system. Without the manual grind.
Free gives you the system. Credit Rebuild AI gives you the system plus technology that helps you execute it faster.
Report analysis
Extracts and organizes your negative accounts by bureau
Personalized letters
Bureau-specific letters, not the same template thousands send
Round-over-round tracking
Follow-up rounds built from what actually changed on your updated report
Hard-inquiry cross-referencing in minutes, not hours
No-response and complaint organization
The complete advanced credit-building library (funding, mortgage and auto readiness, credit-card strategy, business credit)
Not sure? Start free. Upgrade only if the manual work isn't worth your time.
HOW IT WORKS
Three steps, start to finish.
Join
Pick free or Credit Rebuild AI.
Follow the system
Step-by-step videos take you from pulling reports to mailing disputes.
Work the rounds
Track responses, prepare follow-ups, and build positive credit.
ABOUT JAVIER & STEPHANY
Taught by the owners of Momentum Scores.
Javier & Stephany · Founders
Credit Rebuild Academy was created by Javier Medina and Stephany Medina Alvarado, owners of Momentum Scores, a professional credit restoration company that has served over 1,000 clients. Through their education programs, they've taught more than 10,000 people the same process, and now they're teaching it directly, step by step.
FAQ
Questions before you start.
Is the free training really the whole process?
Yes. The free training covers the complete process from pulling your reports to mailing disputes and following up. Nothing is held back for the paid tier. Credit Rebuild AI adds technology that does the manual work faster, not extra secrets.
What's the difference between free and Credit Rebuild AI?
Free gives you the full system to run manually. Credit Rebuild AI analyzes your reports, prepares personalized letters, and tracks your rounds for you, so each step takes minutes instead of hours.
Do I need credit monitoring?
Yes. Credit Rebuild AI runs on an active 3-bureau monitoring account to read all three reports and track changes each round. It is a separate subscription: $1 for a 7-day trial, then $19.99/month.
How long does this take?
Every report is different. Bureaus generally respond to disputes within about 30 days, and most members work in rounds over a few months. Results vary with your credit profile and how consistently you follow the process.
Is this a credit repair company doing it for me?
No. This is education plus tools. You stay in control: you review everything, you sign, and you mail your own letters. We teach the process and the technology helps you execute it.
Can I cancel anytime?
Yes. Credit Rebuild AI is month to month. Cancel whenever you want and keep everything you've learned.
Pick your path. Start rebuilding today.
Free gives you the full system. Credit Rebuild AI does the manual work for you.
Free training opens September 18. Credit Rebuild AI is ready today.