The Credit Comeback

The Credit Comeback — Percy Turner's step-by-step course for rebuilding damaged credit the lawful way, taught by a man working the same plan. Percy is a flatbed owner-operator from Mobile, Alabama rebuilding his own credit while he builds his businesses — no guru talk, no tricks, and no promises. Module 1: Know Your Report — pull all three bureau reports free and read them line by line; reports vs scores; FICO vs VantageScore and what actually counts. Module 2: The Cleanup, Done Lawfully — dispute only what's inaccurate, incomplete, outdated, or unverifiable; the step-by-step dispute process, method of verification, debt validation under the FDCPA, and the two clocks on old debts (reporting vs statute of limitations); includes three fill-in letter templates. Module 3: Utilization and the Cards You Have — the utilization math worked dollar by dollar, two pay-down orders compared, credit-limit increases, secured cards and credit-builder loans explained honestly. Module 4: The Rebuild Stack — adding accounts in the right order, authorized user the family way only, rent reporting caveats, and the credit-repair scam red flags. Module 5: Hard Items — federal student loan default (rehabilitation vs consolidation), medical debt rules, repossession deficiency math, settlement math with the 1099-C tax note. Module 6: Habits and the Long Game — autopay, the two-date rule, keeping old cards open, credit freezes, and a clearly-labeled example 6/12/24-month roadmap. Plus a 13-week First 90 Days plan. Every module ends with a Do This Now checklist. General education only — not legal, tax, or financial advice. No scores, deletions, or timelines are promised; every example number is a teaching example.