Credit from scratch

The ultimate guide to understanding, building and maintaining excellent credit.


The Book

You can have stellar credit. You can get the best terms a company has to offer. You can get the VIP treatment that comes with having excellent credit. This book goes beyond giving you tips and helps you truly understand how your credit score works, how it’s calculated and why you should embrace it rather than fear it. It’s a quick but comprehensive insider guide that dishes the secrets to get and maintain the elusive credit score. Just using one of these tips can help you secure a lower interest rate on your credit cards, mortgage or auto loan. I have packed tons of information into this book so when you’re done, you’ll know everything you need to know to build and maintain excellent credit.


What’s inside


Why We Use Credit Scores and why you don't need to fear them


Tips for Using Credit Responsibly


5 Simple Ways to Establishing Credit (Even if You Have No Credit History)


How to Rebuild Your Credit Score Fast when you've made mistakes


What You MUST Know To Get Fabulous Credit Scores


The top 13 Credit Myths Debunked!

Chapter 1



If you want to understand the purpose of using credit scores, then you need to think like a lender thinks.

So let’s pretend for a minute that it’s 9am.

You’re at work, starting your day and a coworker you don’t know that well (we’ll call him Kevin) walks into your office, takes a seat at your desk and asks you if he can borrow $1000.

What would you do? How would you decide?




Easy to read, all meat, no fluff book on understanding, building and maintaining excellent credit. 

The best part is all the additional resources that comes with the e-book to get you on the path to building excellent credit in no time. 

DISCLAIMER: This Agreement is entered into by and between: Wealth From Scratch LLC (“the Company”) and  Client (“the Client”), whereby the Company agrees to provide training and education services via workshops, memberships, ebooks and other educational material. 1. The Client is solely responsible for creating and implementing his/her own results, decisions and actions. The Company is not liable or responsible for any actions or inactions (direct or indirect) that the Client takes as a result of participating in the Program. 2. The Company does not guarantee specific outcomes (financial or otherwise) for the Client, solely as a result of participating in the Program. The Company will provide education, training, and tools, but implementing these learnings is the sole responsibility of the Client. 3. The Client acknowledges that coaching does not constitute or substitute for legal, financial, tax, or insurance advice, or any other advice from a licensed professional outside the coaching industry. Further, none of the content provided constitutes a recommendation that any particular security, portfolio of securities, transaction or investment strategy is suitable for any specific person. None of the information providers or their affiliates will advise you personally concerning the nature, potential, value or suitability of any particular security, portfolio of securities, transaction, investment strategy or other matter. 4. The Client acknowledges that, while sensitive/personal topics may be discussed, coaching does not constitute or substitute for therapy, counseling, or mental health treatment. 5. registering for a class, workshop, membership or purchasing any product constitutes agreement and acceptance of this.