Is this a credit repair service?

No. This is a structured educational program. You do the work with SCI tools and guidance. We do not dispute items on your behalf and do not promise deletions or score changes.

Will completing the program get me approved for a mortgage?

No program can promise that. Approval decisions are made by lenders using their own criteria. The program helps you understand and organize your credit profile so you can have a more informed conversation with a qualified mortgage professional.

What happens to my free dashboard and uploaded reports if I enroll?

Everything carries over. Your checklist progress, uploaded reports, and documents remain in your account. Enrollment adds the guided curriculum, planning tools, and progress tracking on top of what you already have.

Do I have to file disputes to complete the program?

No. Dispute education is included for legitimate reporting concerns, but disputes are never required and are never generated automatically.

How does the payment plan work?

You pay $179 today and $179 on the same day of each of the next two months, for a total of $537. Full program access begins with the first payment.

Are mailing costs included?

No. If you choose to mail any student-approved educational correspondence through the SCI Mail Center, postage and fulfillment are priced separately and shown before you purchase.

Is there a refund policy?

Yes — a 30-day money-back guarantee applies to the program purchase itself, independent of any credit outcome.

90-Day Homebuyer Credit Readiness Program

Don't Wait Until the Mortgage Application to Understand Your Credit

Use the next 90 days to understand your credit profile, organize your reports and documents, address legitimate reporting concerns, and prepare for your homebuying conversation.

Start My 90-Day Plan See How It Works

$497 one-time or 3 × $179 12 weekly modules 30-day money-back guarantee

Homebuyers Often Discover Credit Problems Too Late

The mortgage application is the wrong time to learn what is on your credit reports. These are the issues future buyers most often find only after they apply:

Unexpected collections
High revolving utilization
Late-payment history
Differences between credit bureaus
Unrecognized inquiries
Incorrect or outdated information
Missing documentation
No structured plan before speaking with a lender

A Structured 90-Day Readiness Process

Three phases, twelve weekly modules, one guided plan that carries your existing checklist and report uploads forward.

Days 1-30

Understand & Organize

Learn how your reports work, build your 3-bureau profile, and set a baseline.

1Understanding Your Homebuyer Credit Profile
2Build Your 3-Bureau Credit Profile
3Understanding Payment History
4Mastering Credit Utilization

Days 31-60

Address & Strengthen

Review accuracy, organize documentation, and work on controllable credit factors.

5Collections & Charge-Off Education
6Credit Report Accuracy
7Dispute Education & Documentation
8Credit Age, Mix & New Credit

Days 61-90

Monitor & Prepare

Compare progress to baseline, organize financial documents, and prepare for the lender conversation.

9Monitoring Your Progress
10Financial Documentation Readiness
11Preparing for the Mortgage Conversation
12Your Homebuyer Readiness Review

What You Get

3-Bureau Credit Profile Workspace

90-Day Personalized Action Plan

Weekly Education Modules

Utilization Planning Tools

Credit Report Comparison

Document Organizer

Educational Dispute Tools

Homebuyer Readiness Workbook

Progress Dashboard

Mortgage Conversation Preparation

Free Tools vs. the Full Program

Your uploaded reports and documents are always yours. The program adds the structured education, planning, and guided workflows on top.

Free with any SCI account

Homebuyer Credit Readiness Checklist
Basic readiness profile and dashboard account
Upload Equifax, Experian, and TransUnion reports
Basic bureau completeness status
Basic utilization snapshot
Free educational articles and resources

Included in the 90-Day Program

Full 90-day program with 12 weekly modules
Personalized 90-day educational action-plan generator
Detailed 3-bureau comparison workspace
Enhanced utilization planning tools
Progress tracking across Days 1-30, 31-60, and 61-90
Educational dispute-document workflow for legitimate concerns
Homebuyer documentation organizer
Mortgage Conversation Preparation module
Homebuyer Credit Readiness Workbook
Accountability reminders and program completion summary

This Program Is Designed For

Future first-time homebuyers
People planning to purchase within the next 3-12 months
Consumers who want to understand their credit before applying
People who have previously been denied because of credit concerns
Future buyers who are unsure what appears across all three credit reports

What This Program Is Not

A mortgage approval service
A credit repair service
A guarantee of score increases
A guarantee of negative-item deletion
Legal advice
Mortgage underwriting advice

Start Your 90-Day Homebuyer Credit Readiness Plan

Choose the payment option that fits. Both include the same full program access.

Best Value

One-Time

$497 One-Time

Total: $497

Full 90-day program access with a single payment.

Start My Program

Payment Plan

3 Payments of $179

Total: $537 (3 × $179, billed monthly)

Same full access. First payment today, then two more monthly payments of $179.

Start My Program

Secure checkout by Stripe. Optional mailing and postage are priced separately in the Mail Center and always shown before purchase.

You will create or sign in to your free SCI account before checkout so your progress is saved.

Frequently Asked Questions

Strategic Credit Institute provides educational tools and resources only. SCI does not operate as a credit repair organization, mortgage lender, law firm, or financial advisor. Participation does not guarantee mortgage approval, a particular credit score, deletion of information, interest rate, loan amount, or other financial outcome.