SGC Credit Boost
Find the errors. Fix them free. Work on your credit the honest way.
Pull your three free reports, check them against an 11-point checklist, and send the right letter to the right place with the deadline worked out. The Credit Tracker shows how much to pay on each card, and when, to bring utilization down.
- Price
- $10
- Format
- XLSX + PDF + TXT
Example from the book (fictional): overall utilization 27% looked fine, but one card was at 70%. Paying $800 before that card's statement date brings it to 30% and overall to 17.6%. A worked example, not a promise.
- 01
Interactive book, 54 pages
6 chapters, 23 lessons: bureaus, reports, FICO vs VantageScore, freezes, disputing errors under the FCRA, scams, utilization.
- 02
Light print edition, 56 pages
White pages, larger type, low ink.
- 03
SGC Credit Tracker (.xlsx)
Utilization per card, pay-down to target, score log, dispute deadlines and a 90-day plan. Example + blank copy.
- 04
AI Credit Coach prompt
Paste your own redacted report text into any AI chat to flag possible errors and draft letters. Includes 5 redaction steps.
- 05
Start Here guide
Where to begin and how it pairs with SGC Debt Free.
- +You want to read your credit reports and know what you're looking at
- +You think something on your report is wrong and want to fix it yourself, free
- +You're paying down cards and want the progress to show up on your credit
- −If you want someone to dispute for you. SGC Studio is not a credit repair company and never sees your data
- −If you hope to remove accurate negative information. Nobody can legally do that before it ages off
- −If you're facing lawsuits, garnishment or bankruptcy: talk to a consumer-law attorney or nonprofit counselor
01Will this raise my score by X points?+
No one can honestly promise that. Your result depends on your reports, the scoring model a lender uses, and what you do.
02Does it work outside the U.S.?+
It's written for U.S. credit reporting (FCRA, the three U.S. bureaus).
03Do I need SGC Debt Free?+
No. It works on its own, and better alongside it.
04Do I need Excel?+
No. The tracker works in free Google Sheets, or print the PDF worksheets.
05Is the AI prompt safe?+
It tells you to strip your SSN, account numbers and addresses first, and tells the AI to stop if it sees any.
7-day refund: if a file doesn't open or work as described, reply to your Gumroad receipt within 7 days.
Personal license. PDFs are stamped to the buyer. No sharing or reselling.
Educational only, not financial advice. Checkout and delivery by Gumroad.
SGC Credit Boost
$10 · instant download