1. The web app
FreeScore Analyzer, Dispute Letter builder, Mortgage Readiness Quiz and the Credit Report Guide. Upload your report as a PDF and it builds the 8-volume Blueprint around your real accounts. The PDF is deleted after processing.
Flagship tool
Credit Blueprint
A free credit-education app and workbook for people who want a mortgage and keep being told “not yet” — without being told what to actually do about it.
Opens in a new tab. Free, no account required. Educational only — not credit repair.
What it is
A plan, not a pitch
Credit Blueprint started because I kept having the same conversation. Someone wants to stop renting, they are told their credit “isn’t there yet,” and nobody explains which part isn’t there or what moves it.
So it does two things. First, it shows you where you stand right now in mortgage terms, not in app-score terms. Then it turns that into an ordered list of moves for the next 30, 60 and 90 days — what to pay down first, what to leave completely alone, what to dispute only if it is genuinely wrong, and what to stop doing immediately.
There is a free version that is genuinely useful on its own, and a paid workbook for people who want the whole thing on paper. It is education, start to finish. It is not credit repair and I never dispute anything on your behalf.
Who it’s for
Renters and first-time buyers working toward approval
- You are renting in Central Florida and want to own within the next one to twenty-four months
- You have been declined, or told to come back later, and never got a straight reason
- Your score is somewhere in the 500s or 600s and you want to know what is realistic
- You have collections, charge-offs or old medical debt and no idea which ones matter
- Your score is fine but your debt-to-income or savings is the real bottleneck
- You are self-employed or paid in cash and worried about how that documents
If you are in a genuinely urgent situation — active bankruptcy, foreclosure or a lawsuit — please speak to a licensed attorney or a HUD-approved housing counselor. This is not a substitute for that.
What you get
Two pieces that work together
2. The workbook
Free sampleA printable companion you can write in. The free 17-page sample covers the fundamentals and a 30-day action page. The full $47 edition carries all eight volumes, the letter library and the pre-approval checklist.
Launch
Open Credit Blueprint
It takes about ten minutes to get your first real answer. Nothing to install, nothing to pay, and no account to create.
Educational only — not credit repair. Credit Blueprint teaches you how credit scoring and mortgage underwriting work so you can act on your own file. It is not a credit repair organization, it does not dispute items on your behalf, and it is not credit counseling, legal, tax, or financial advice. No score increase, deletion, or loan approval is promised or guaranteed. You can dispute inaccurate information on your own credit report for free under the federal Fair Credit Reporting Act.
Next step
Ran the app? Let’s talk about the house
Once you know your number and your timeline, the next step is a lender conversation and a realistic price range. That part I do with you.
No cost, no obligation, and no credit check to talk. Prefer the phone? Call 863-288-0521.
Get the free workbook sample
Enter your name and email and the 17-page sample downloads right away. I’ll also send you the occasional mortgage-readiness tip — unsubscribe any time.