DIY CREDIT REPAIR
Learn how you can remove collections and build your credit in 30–90 days
Join a community of thousands of people using the exact system over 10,000+ people have used to rebuild their credit. Start free, or accelerate with AI.
↓ WATCH THIS VIDEO ↓
10,000+
PEOPLE HELPED
$7M+
NEGATIVE ACCOUNTS REMOVED
1,000+
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: the dispute letter templates, how to pull all three reports, how to identify negative accounts, how to prepare your disputes, what to do when bureaus respond, and how to follow up. You do it manually, and you never have to upgrade.
Find every negative account
Letter templates for every round
Mailing & tracking system
No-response escalation
Complaint escalation walkthrough
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
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.
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 gives you the process so you can do the manual work yourself.
What's the difference between free and Credit Rebuild AI?
Free gives you the system. Credit Rebuild AI gives you the system plus technology that helps you execute it faster.
Do I need credit monitoring?
Yes for the AI tier. It requires an active 3-bureau credit monitoring account, and our recommended provider offers a $1 7-day trial.
How long does this take?
It varies. Rounds run in about 30-day cycles, and individual outcomes depend on your profile, documentation, and participation.
Is this a credit repair company doing it for me?
No. You do it, we teach and equip you.
Can I cancel anytime?
Yes.