Start Here
Meet Ladarius, choose a learning route and use your first-week and 30-day action plans. Learn how to use the classroom, downloads and discussions.
FRESH FOOTING CREDIT ACADEMY / FREE ON SKOOL
One report.
A clearer next step.
A five-day written learning path to review one account, organize your records and understand a useful next action.
Free to join. Private member space. Work at your own pace.
YOUR FIRST FIVE DAYS
A small task each day.
A process you understand.
Join the free Academy first, then open the linked member lessons below. Start whenever you are ready. These are written lessons, so you can pause, return and keep your completed work in your own files.
- DAY 01
Read one account
Open your reports and choose one account to understand. Record the bureau, reported date, balance and status before making a conclusion.
Your takeaway: A private baseline with the relevant fields and dates.
Open the member lesson Read your report · Build a private baseline - DAY 02
Name the exact question
Compare the reported field with the relevant records. Write what you know, what is still unknown and the information you need next.
Your takeaway: One clearly stated issue or a record you need to obtain.
Open the member lesson Document an error · Review the response - DAY 03
Organize the supporting records
Match statements, notices or payment records to the same account and period. Use the issue-to-action map to identify the appropriate recipient and process.
Your takeaway: A short document index and a reason for your chosen route.
Open the member lesson Choose your route · The issue-to-action map - DAY 04
Write a focused explanation
Practice identifying the account, the field, the relevant dates and the supporting record. Use placeholders in an educational draft and check every statement before taking action.
Your takeaway: A draft explanation you can compare with your records.
Open the member lesson Write to a reporting company · Original template - DAY 05
Plan your next review
Learn how to preserve a submission record and compare a response with the relevant updated report. Decide what information would help you choose the next step.
Your takeaway: A simple action log and a realistic review date.
Open the member lesson Read the result · Choose a focused follow-up
Keep your worksheet private.
Use the free Action Workbook to organize your learning. No paid monitoring subscription is required.
WATCH A QUICK EXAMPLE
The date can change
the question.
A reported balance and a later payment receipt describe different points in time.
Watch this short fictional example, then use Day 1 to practice reading the fields and dates on one account.
Start with the free AcademyA PLACE TO LEARN
Understand the file.
Build your next step.
Fresh Footing Credit Academy is for people working on their own credit, including those preparing for a home or another major application.
Begin with Start Here and your 30-day action plan. Continue to Credit Foundations, then choose the topic that fits your question. Each topic includes a private worksheet and a self-check.
The Credit Academy contains original written lessons, fictional examples and links to official references. Ask general questions in Report Questions, discuss routines in Credit Habits, and share what you are learning in Progress & Wins. Keep completed worksheets and personal records private.
Separate personal support is available through Fresh Footing’s service plans .
THE FULL FREE LIBRARY
Learn the basics.
Work through your topic.
12 courses and 42 written lessons combine clear explanations with practical exercises. Read at your own pace, organize your facts and record an informed next step.
Credit Foundations
Read reports line by line, compare dates and statuses, understand inquiries and build the baseline for an informed next action.
Collections
Understand validation notices, write a factual request, compare records and prepare before a payment or settlement decision.
Late payments
Build a payment timeline, distinguish factual errors from accurate history and write an honest goodwill request where appropriate.
Charge-offs
Understand status, ownership and balances. Map related entries and distinguish reporting age from legal time-limit questions.
Repossessions
Review loan history, notices and sale accounting. Work through a reconciliation and prepare a focused request for records.
Bankruptcy
Compare court and report records, distinguish filing from discharge and choose the right route for a reporting or legal question.
Rental & eviction-related reports
Identify the screening report, review court dispositions and prepare a supported rental-report correction request.
The Dispute Workshop
Write specific reporting-error requests, use original editable formats, compare responses and prepare an appropriate follow-up or complaint. Includes the download library.
Rebuild Your Credit
Work through payment routines, card-balance math, product comparisons and a sustainable 90-day plan. Understand the difference between reports, monitoring and scores.
Identity Protection
Understand free freezes and fraud alerts, respond to genuine identity theft, and assemble a qualifying block request with the right documentation.
Homebuyer Readiness
Connect credit review with cash flow, a private document checklist and useful questions for a lender or HUD-approved housing counselor.
YOUR FIRST STEP
Come learn with us.
Join Fresh Footing Credit Academy through Skool, then begin with the Start Here guide. If you want personal help with your file, you can also book a free 15-minute review.
A Skool account is required to join. Community education does not guarantee a deletion, score change or credit approval.