The credit-building playbook
Get the exact framework our private clients use to add points fast, unlock funding and build lasting wealth — completely free.
FREEHow to Build Credit
The Credit Lab Starter Playbook
The exact step-by-step framework Jaz uses to add points fast, delete negatives the compliant way and build credit that lasts — distilled into a free guide.
- The 5 score factors (and the 2 that move 65% of your score)
- How to dispute & delete negative items the compliant way
- The utilization formula for fast, safe gains
- How to build a thicker, stronger credit file
- The funding-ready checklist lenders look for
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Knowledge is leverage
We don't just fix your credit — we teach you how to keep it strong for life.
Checking your own credit hurts your score
False. Checking your own report is a soft inquiry and never affects your score. Knowing your numbers is step one to controlling them.
What actually moves your score
Payment history (35%) and utilization (30%) drive most of your score. Length of history, mix and new inquiries do the rest.
The 30% utilization rule
Keep balances under 30% — ideally under 10% — of your limits. High utilization is one of the fastest ways to tank a score.
Why business credit changes everything
A separated business profile lets you access capital without risking personal credit — the foundation of scalable wealth.
Your questions, answered
Everything you need to know before booking your free consultation.