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Credit Building Protocol
From no credit to 700+ in 12 months
Why Credit Matters for Health
Bad credit = higher stress, worse housing, fewer options. Good credit = lower anxiety, better opportunities, financial freedom. This is a health intervention.
The 6-Step Protocol
1
Get Your Free Credit Report
Check all 3 bureaus at AnnualCreditReport.com
15 min
2
Dispute Any Errors
79% of reports have errors. Dispute them for free.
30 min
3
Start Rent Reporting
Services like Boom report your rent to build credit
10 min
4
Get a Secured Card
Deposit $200-500, use 10-30% monthly, pay in full
20 min
5
Become an Authorized User
Ask someone with good credit to add you to their card
5 min
6
Keep Utilization Under 30%
Use less than 30% of your available credit
Ongoing
Expected Timeline
Month 0
Starting
Pull reports, dispute errors
Month 1-2
+20-40 pts
Secured card opened, first on-time payment
Month 3-6
+40-80 pts
Rent reporting kicks in, consistent payments
Month 6-12
+80-150 pts
Credit age builds, utilization optimized