MintbrooksMoney & Credit · Start Here
You're not behind. You're early.

Bad credit?
You're in the right place.

Don't read a hundred articles. Tell us two things and we'll point you straight to the next step that fits your situation.

01Where's your score, roughly?

// a guess is fine — this just routes you

520· rebuilding
most people start here
300579

02Do you own a car? (paid off, or close)

// it opens a faster path than most people realize

Yes, I own one
Not yet
Or browse the guides

The credit library.

Plain-English guides — no jargon, no shame. Each one ends with the actual next step, not a wall of disclaimers.

Cards for a 500 score →

The cards that actually approve below 580 — and the soft-pull way to check.

No-deposit credit cards →

How to get a real card with no cash deposit when your score is low.

Secured cards that report to all 3 →

The most reliable way to rebuild — and which ones to avoid.

$50k loans for bad credit →

Who actually approves, and what "instant decision" really means.

The 1% utilization rule →

Why 0% can quietly hurt your score — and the statement-date trick.

Rebuild credit in 90 days →

The day-by-day order of operations, free to read.
When you're ready to do it all — in order

The 90-Day
Money Reset.

The reading on this site is free. This is the do-it-with-me plan — every move sequenced into one small action a day, so you stop guessing what's next and start watching the number move.

The plan, at a glance
90 days · one action each
milestone weeks momentum the road ahead
The exact order of operationsWhat to fix first, second, third — so you never waste a move or a whole month again.
Days 1–90
Word-for-word bureau scriptsThe exact dispute + "pay-for-delete" language to copy, paste, and send. No guessing the wording.
Copy & paste
The 1% utilization protocolThe core mechanism the bureaus reward — why 1% beats 0%, with the statement-date trick that times it right.
The mechanism
Secured-vs-Yendo decision treeAnswer a few questions, land on the single right card for your situation — no second-guessing.
Pick your card
The 90-day trackerA simple weekly check-in that keeps you on the rails — and shows the number actually moving.
Stay on rails
$17
one time · instant PDF
✓ 60-day money-backLess than one late fee. No subscription, no upsells — the whole plan, yours to keep. If it doesn't move your number, email us and it's free.
Get the 90-Day Reset →