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Your credit, mapped out in 90 days of clear steps.
The Credit Signal Action Plan turns your situation into a personalized, week-by-week playbook — so you stop guessing and start moving with confidence.
Generic credit advice wasn’t built for your situation.
Most credit content is written for “everyone,” which means it’s written for no one. Your balances, goals, timeline, and history are unique — your plan should be too.
You don’t know what to do first
Pay down a card? Dispute a collection? Open a new line? The wrong order can cost you months of progress.
Utilization is a moving target
“Keep it under 30%” isn’t enough. You need to know exactly which card to pay down and by how much.
You have a deadline
Mortgage, auto, or a card approval coming up — you need a plan that respects your timeline, not a 3-year generic roadmap.
Is this actually right for you?
We’d rather you skip it than buy the wrong thing. Here’s the straight answer.
It’s built for you if…
- You have a real deadline — a mortgage, auto loan, or card approval in the next 3–12 months.
- You’ve read the generic advice and still don’t know what to do first.
- You want to know exactly which card to pay down, by how much, and before which date.
- You have collections, late payments, or errors and can’t tell which are worth disputing.
- You’d rather do the work yourself than hand it to a monthly service.
Skip it if…
- You want someone to fix your credit for you — this is a plan you execute.
- You’re expecting a guaranteed number of points. No honest product can promise that.
- You want ongoing coaching or a subscription. This is one payment, one plan.
- You’re in active bankruptcy or need legal advice — speak with an attorney first.
Everything you need, personalized to your credit profile.
Six tools, templates, and guides built around your intake responses — not a one-size-fits-all PDF.
Your Personalized 90-Day Plan
A week-by-week roadmap built from your intake: current score range, goal, utilization, and timeline.
- 12–20 page custom PDF
- Weekly action steps, in order
- Projected score range movement
Credit Utilization Optimizer
A plug-and-play spreadsheet that tells you exactly how much to pay on each card to hit your target thresholds.
- Per-card paydown schedule
- Statement-date timing guide
- Under 10% and under 30% modes
Dispute Decision Tree + Letter Pack
Know which items are worth disputing — and send the right letter the first time.
- 7 editable letter templates
- Goodwill, MOV, and pay-for-delete scripts
- Step-by-step dispute walkthrough
“Before You Apply” Checklist
A pre-application checklist tuned to your goal — mortgage, auto, or new card approval.
- Goal-specific preparation steps
- Timing and inquiry strategy
- Red flags to resolve first
Negotiation Scripts
Word-for-word scripts for the calls and letters that actually move the needle.
- Goodwill adjustment requests
- Pay-for-delete negotiation
- Hardship and settlement openers
30-Day Progress Check-In
A single follow-up email 30 days in with a guided self-review — so you stay on track without needing a subscription.
- Progress self-assessment
- Adjustment prompts
- Lifetime updates to the plan tools
This is what week one actually looks like.
No vague “work on your utilization.” Ordered, dated steps you can act on the day it lands.
Your 90-Day Action Plan — excerpt
Week 1
Pull all three reports and log every balance, limit, and statement close date into the Optimizer. Flag the two accounts costing you the most right now.
Week 2
Make the targeted paydown on your highest-impact card before its statement closes — so the lower balance is the one that actually gets reported.
Week 3
Send your first letter using the template matched to that item type. Log the send date and set the 30-day follow-up.
Week 4
Recheck utilization, confirm the new balance reported, and run the “Before You Apply” checklist against your target date.
Weeks 5–12
Work down your account sequence in order, escalate anything unresolved, and keep new applications on hold until your checklist is clear.
Illustrative excerpt. The steps, order, and timing in your plan are built from your own intake answers.
Three steps from checkout to your personalized plan.
Checkout
Secure one-time payment of $15. No accounts, no subscription, no upsells. You’re instantly emailed a link to your intake.
Quick Intake
Answer 12 short questions about your credit goal, balances, and timeline. Takes about 6 minutes.
Get Your Plan
Within 48 hours, your personalized plan + all tools are delivered to your inbox. Ready to act on week one.
Our free tools show you where you stand. This tells you what to do.
The calculators on My Credit Signal stay free forever. Here’s what the Action Plan adds on top.
| Free tools | Action Plan | |
|---|---|---|
| Where you stand today | Calculators & guides | Plus your projected score range |
| What to do first | You decide | Sequenced by impact for your goal |
| Per-card paydown amounts | — | Optimizer with statement-date timing |
| Dispute strategy | — | Decision tree + 7 editable letters |
| Negotiation wording | — | Goodwill, pay-for-delete & hardship scripts |
| Pre-application prep | — | Checklist tuned to your goal |
| Follow-through | — | 30-day check-in + lifetime tool updates |
| Price | Free | $15 one-time |
One price. Everything included.
No trials, no tiers, no surprises. If it’s not for you, we’ll refund you in full within 14 days.
Your Personalized 90-Day Playbook
Built from your intake. Delivered within 48 hours. Yours to keep.
USD · includes all six modules and lifetime tool updates
- ✓ Personalized 90-day roadmap PDF
- ✓ Credit Utilization Optimizer spreadsheet
- ✓ Dispute decision tree + 7 letter templates
- ✓ Goal-specific “Before You Apply” checklist
- ✓ Negotiation scripts (goodwill, PFD, hardship)
- ✓ 30-day progress check-in email
- ✓ Lifetime updates to the plan tools
🔒 Secure checkout · 14-day money-back guarantee
14 days to decide, risk-free.
Read your plan, use the tools, start week one. If it isn’t the clearest picture of your credit you’ve had, email us within 14 days of delivery and we’ll refund you in full — no forms, no follow-up questions.
Frequently asked.
Is this credit repair?
No. The Action Plan is an educational product. It helps you understand your options, sequence your actions, and communicate with lenders and bureaus. You do the work — and you keep 100% of the results.
Will this guarantee a specific score increase?
No one can honestly promise a specific score outcome — your results depend on your starting point, what’s on your report, and the actions you take. The plan gives you realistic projected ranges based on your intake, not guarantees.
Do you need my Social Security number or bank info?
Never. The intake asks about your goals, general balance ranges, and credit history patterns. We don’t need — and won’t ask for — your SSN, full account numbers, or login credentials.
How is this different from your free tools?
The free tools on My Credit Signal (like the utilization calculator) stay free — forever. The Action Plan layers personalization, sequencing, and templates on top, so you know which tool to use when and what to do next.
What if it’s not for me?
Email us within 14 days of delivery and we’ll refund you in full. No forms, no follow-up questions.
How long until I get my plan?
Within 48 hours of completing your intake. Most plans are delivered within 24 hours.
Ready to stop guessing?
Get a plan that’s built around your credit — not someone else’s. 48-hour turnaround. 14-day money-back guarantee.
Get My Action Plan — $15One payment of $15 · intake takes about 6 minutes · plan delivered within 48 hours
The Credit Signal Action Plan is an educational product. It does not constitute financial, legal, or credit repair advice. Credit scores depend on many factors; individual results will vary. My Credit Signal is not a credit repair organization and does not perform work under the Credit Repair Organizations Act.