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Know exactly where your scores stand.
Then fix them with a specific protocol.
The Recovery and Rebuild System bundles the Business Credit Recovery Guide and the Business Credit Score Decoder. The plain-language breakdown of every score lenders check -- and the step-by-step rehabilitation protocol for business owners with damaged personal credit who have been denied for business credit.
Instant digital delivery. PDF and DOCX. 30-day money-back guarantee.
Why damaged credit is not the end of the road
Most business owners with damaged credit do not know what their scores actually mean or which specific actions move them fastest.
The business credit world uses four different scoring systems -- FICO, PAYDEX, Intelliscore Plus, and Equifax Business. Each one is calculated differently, weighted differently by lenders, and moved by different actions. Most business owners know their FICO score and nothing else. The Score Decoder covers all four in plain language: how each is calculated, what the key factors are, and the single fastest action you can take right now to improve each one.
Knowing your scores is the starting point. The Recovery Guide is the protocol. It covers the credit audit process that identifies every item on your personal and business reports that lenders flag, the written dispute strategy for inaccurate items, pay-for-delete negotiation with collection agencies, goodwill letter campaigns with original creditors, the secured product path that builds credit while recovery is underway, and a realistic 12 to 18 month timeline with specific milestones at each stage.
Who this bundle is for: Business owners with damaged personal credit who have been denied for business credit and want a specific, actionable protocol for getting from where they are to where they need to be. If your FICO is below 640 and you want to know exactly what to fix, in what order, and how long it realistically takes, this bundle covers both the diagnostic and the protocol.
Business Credit Score Decoder
Four scoring systems. Plain language. The fastest action to improve each one.
FICO Score
How FICO is calculated, the five factors and their weights, and the single action that moves your score fastest from a below-640 starting position.
PAYDEX Score
Dun and Bradstreet's business payment score. How it is calculated, which vendor accounts report to D&B, and the payment timing that produces the highest PAYDEX score fastest.
Intelliscore Plus
Experian's business credit score. What it measures, which lenders rely on it most heavily, and the specific account behaviors that move it in the right direction.
Equifax Business Credit Score
Equifax's business scoring model, how it differs from Experian's, and which lenders pull it versus which pull the other bureaus. Keep as a reference every time you check your scores.
Business Credit Recovery Guide
The step-by-step rehabilitation protocol. 12 to 18 months. Specific milestones at every stage.
Credit Audit Process
How to pull all three personal bureau reports and identify every item lenders flag. Distinguishes between disputable inaccuracies, accurate negative items that require a different approach, and items that age off without action.
Written Dispute Strategy
The dispute letter process for inaccurate items, how to track bureau responses within the 30-day window, and what to do when a bureau fails to respond or re-inserts a deleted item.
Pay-for-Delete Negotiation
How to negotiate deletion of collection accounts in exchange for payment. The written agreement that must be in place before any payment is made, and the issuers and agencies most likely to accept this arrangement.
Goodwill Letter Campaigns
How to request removal of accurate late payments from original creditors. The goodwill letter framework, which creditors are most likely to respond, and the timing and escalation approach that produces the best results.
Secured Product Path
How to build credit history using secured products while personal credit is recovering. Secured business credit cards, secured personal cards that report to all three bureaus, and the account management that turns them into positive history.
12 to 18 Month Timeline
Specific milestones at months 3, 6, 9, 12, and 18. What FICO and PAYDEX scores to target at each stage, which credit products become accessible at each milestone, and how to build business credit simultaneously while personal credit recovers.
30-Day Money-Back Guarantee
Zero risk. Full refund if it does not deliver.
If the Recovery and Rebuild System does not give you the score framework and the rehabilitation protocol as described on this page, contact us at [email protected] within 30 days and we will issue a full refund. No questions asked.
Know your scores. Fix them with a specific protocol.
Business Credit Recovery Guide plus Score Decoder. $106 combined value at $97.
$97
Instant digital delivery. PDF and DOCX. 30-day money-back guarantee.
© Dooley Advisory LLC d/b/a Lender Logic. All rights reserved.
Provided for informational purposes only. Not legal or financial advice.
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