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Financial Literacy. Strategic Growth. The Science of Credit.

Master Your Credit withCREDIT FORMULA.

Expert financial consulting and educational programs in the U.S. We design the exact roadmap to raise your FICO® score, improve your credit history, qualify for a mortgage, or build your company’s business credit.

Book Your Advisory SessionExplore Our Programs
  • Equifax, Experian & TransUnion reports
  • Personalized 1-on-1 sessions
  • Secure payments with Authorize.net
Person showing a credit score of 772, rated excellent, on their phone

Educational audit

Equifax · Experian · TransUnion

Roadmap

Personalized 1-on-1 plan

  • FICO® Score
  • Debt-to-Income (DTI)
  • FHA · VA · Conventional Mortgages
  • Consumer Rights (FCRA)
  • Dun & Bradstreet
  • PAYDEX® Score
  • Net-30 Accounts
  • Business Credit
  • Equifax · Experian · TransUnion
Worried couple reviewing bills and financial documents at home

Do you know what’s lowering your score?

The starting point

Is your credit holding you back?

  • You were denied mortgage pre-approval and don’t know exactly why.

  • Your reports from the 3 bureaus show different, confusing, or incorrect data.

  • Your business depends on your personal credit to get financing.

The good news: credit has a formula, and it can be learned.

Discover the method

The Science of Credit

Understand Your FICO® Score

Move the indicator to see what each range means to lenders. The first step to improving is knowing where you stand.

300850

Sample score

720

Good

A solid profile for most lenders. Optimizing the details can improve your rates and terms.

Reference ranges for the FICO® Score model (300–850). Each lender sets its own approval criteria.

The 5 factors

What Makes Up Your FICO® Score?

Your score is calculated from five factors. Tap each one to see how much it weighs and how to improve it.

35%

Payment history

Whether you pay on time. A single late payment can weigh on your report for years.

Tip: Set up automatic minimum payments so you never miss a due date.

Source: myFICO.com. Reference percentages for the general population.

Three smiling professionals reviewing credit reports

How we work

The Educational Method CREDIT FORMULA

We don’t do the work for you: we teach you to master it. Three stages to take control of your credit history.

  1. 1

    Educational audit

    You learn to read your reports from all 3 bureaus: Equifax, Experian, and TransUnion.

  2. 2

    Strategy & mapping

    We teach you to structure balances, optimize your FICO®, and exercise your consumer rights.

  3. 3

    1-on-1 coaching

    Regular sessions to track your progress and adjust your financial plan.

Presentation

Create Your Own Credit Formula

Browse our educational presentation: the habits, mistakes, and strategies that impact your score the most.

Presentation in Spanish.

CREA TU PROPIA FÓRMULA DE CRÉDITO Te brindaremos las herramientas para que hagas que las cosas sucedan.

Slide1 of 34

Programs

Specialized Advisory Programs

In-depth education and expert guidance for your most important goals.

Program 1

Mortgage Education

Mortgage Formula

Mortgage Masterclass & Consulting

We prepare you with the education and tools you need to reach the closing table with the best terms.

  • Mortgage FICO® Education

    Guided analysis of the specific algorithms lenders evaluate (FICO® Score 2, 4, and 5).

  • Debt-to-Income Strategy (DTI)

    Personalized financial planning to bring your debt-to-income ratio to the level banks require.

  • Consumer Rights (FCRA/FACTA)

    We teach you to audit your own report, identify errors, and properly write your own communications to the bureaus.

  • FHA, VA & Conventional Mortgages

    Step-by-step guidance on score, history, and capital reserve requirements.

I want this program

Program 2

Business Credit

Business Credit Academy & Advisory

Learn to build and scale an independent corporate credit structure for your company.

  • Corporate Financial Structuring

    Guidance on the right legal and banking setup so your LLC or Corp is eligible with commercial lenders.

  • Business Bureau Education

    How Dun & Bradstreet, Experian Commercial, and Equifax Small Business work, and how to get your PAYDEX® score.

  • Net-30 Accounts & Vendors

    Hands-on training to select and manage vendors that report to business bureaus and build initial history.

  • Personal Asset Risk Separation

    Educational strategies to obtain business cards and credit lines without risking your personal credit (Personal Guarantee).

I want this program

Interactive tool

Calculate Your Debt-to-Income Ratio (DTI)

It’s one of the first numbers a mortgage lender reviews. Enter your monthly amounts and see where you stand.

Your DTI

0%

0%36%43%50%60%
Housing ratio
0%
Monthly debts
$0
Optimize your DTI with Mortgage Mentorship

General educational reference. Each lender and loan program sets its own limits.

Business credit

The Route to Your Company’s Credit

The path we teach in Business Credit Academy, step by step.

Explore Business Advisory VIP
Hand bringing a credit card to a payment terminal
  1. 1

    Structure your business

    LLC or Corp, EIN, and a business bank account: the foundation lenders look for.

  2. 2

    Register with Dun & Bradstreet

    Get your D-U-N-S® Number and build your business profile.

  3. 3

    Open Net-30 accounts

    Vendors that report to business bureaus build your initial history.

  4. 4

    Build your PAYDEX®

    Paying on time, or early, raises your business score.

  5. 5

    Access business credit

    Cards and credit lines in your company’s name, without risking your personal credit.

Investment

Consulting Plans & Educational Programs

Choose the level of guidance you need for your goal.

Strategy Session

1-on-1 consulting · Single session

$99one-time

  • Educational audit of your reports from all 3 bureaus
  • Personalized financial roadmap
  • 60-minute session
Book my session
Ideal for home buyers

Mortgage Mentorship

Monthly coaching

$129/ month

  • Ongoing guidance for buying a home
  • FICO® Score 2, 4 & 5 analysis
  • DTI optimization
  • Educational templates
Start mentorship

Business Advisory VIP

Corporate consulting

$199/ month

  • Dual coaching: personal + business
  • Dun & Bradstreet registration
  • Net-30 development plan
  • Financing mentorship
Start VIP

Payments and subscriptions securely processed through Authorize.net with bank-level encryption.

Free resources

High-Value Educational Content

Practical material to help you take the first step today, at no cost. Request it and we’ll send it to you.

  • Free guide

    The 5 Mistakes That Stop Your Mortgage Pre-Approval and How to Avoid Them

    Request for free

  • Checklist

    Step by Step to Build Your Dun & Bradstreet Profile from Scratch

    Request for free

  • Templates

    FCRA-based educational models to exercise your right to data verification

    Request for free

FAQ

Frequently Asked Questions

Have another question? Write to us and we’ll get back to you.

Contact us
Does CREDIT FORMULA handle paperwork or disputes for me?

No. We are exclusively an advisory and financial education firm. We give you the knowledge, strategies, and personalized coaching so you learn to take full control of your finances and your credit history.

What do I need for my first advisory session?

Only your updated credit report from all 3 bureaus (Equifax, Experian, and TransUnion). In your first session we’ll teach you how to analyze it in detail.

How are educational memberships processed?

All payments and subscriptions are handled securely through Authorize.net with bank-level encryption.

Take the first step

Book Your Advisory Session

Start with a Strategy Session: 60 minutes, an educational audit of your reports from all 3 bureaus, and a personalized financial roadmap.

  • 1-on-1, 60-minute session
  • All you need are your Equifax, Experian, and TransUnion reports
  • Your data is protected and only used to contact you
info@creditformula.biz

Tell us what you need

We’ll get back to you as soon as possible.

Your data is only used to respond to your request.