All 5 WiseIQ financial tools in one complete system. Fix your credit, eliminate your debt, negotiate with creditors, and prepare to buy a home — everything you need, nothing you don't.
Complete Bundle
Everything included
Each product in this bundle addresses a different stage of the financial recovery and building process. Together, they form a complete system — from repairing your credit today to qualifying for a mortgage in 12 months.
A 20-page complete credit repair program with a 90-day action plan, 5 ready-to-use dispute letter templates covering every common error type, and a monthly score tracker with utilization log and negative item removal tracker.
A 15-page debt elimination system with Debt Snowball and Debt Avalanche worksheets, a zero-based monthly budget template with sinking fund guide, a 12-month net worth tracker, and a DTI ratio calculator.
A 10-page quick-reference guide ranking the 7 highest-impact credit score actions by realistic point gain and time to reflect. Includes a 180-day improvement timeline, free monitoring tools comparison, and 5 myths debunked.
A 20-page guide with 7 word-for-word phone scripts for negotiating lower interest rates, hardship programs, debt settlements, pay-for-delete agreements, and goodwill late payment removals. Includes your FDCPA rights and a post-call documentation template.
A 20-page 12-month mortgage readiness plan covering lender qualification benchmarks by loan type, DTI targets, down payment strategy, rate shopping without hurting your score, and down payment assistance programs most buyers don't know about.
Here is every section across all five products so you know exactly what you're getting.
| Product | Section | What It Covers |
|---|---|---|
| Credit Kit | How to Use This Kit | Structure overview and first steps |
| Credit Kit | The Five Numbers That Control Your Score | FICO breakdown with exact percentages |
| Credit Kit | The 30-10-1 Utilization Rule | Optimal utilization strategy with examples |
| Credit Kit | 90-Day Action Plan | Week-by-week steps from Day 1 through Day 90 |
| Credit Kit | How to Read Your Credit Report | Error checklist and what to look for |
| Credit Kit | Dealing with Collections | Pay-for-delete, FDCPA rights, statute of limitations |
| Credit Kit | 5 Dispute Letter Templates | FCRA-compliant letters for every error type |
| Credit Kit | Score Tracker + Utilization Log | Monthly tracking worksheets |
| Debt Planner | Debt Inventory Worksheet | Full debt list with true cost calculator |
| Debt Planner | Debt Snowball Worksheet | Payoff order, rollover tracker, timeline |
| Debt Planner | Debt Avalanche Worksheet | Interest-first payoff with savings comparison |
| Debt Planner | Finding Extra Money | 9 strategies with realistic savings amounts |
| Debt Planner | Zero-Based Budget Template | Monthly budget with every category |
| Debt Planner | Sinking Fund Guide | How to save for irregular expenses |
| Debt Planner | 12-Month Net Worth Tracker | Assets, liabilities, and DTI ratio |
| Cheat Sheet | 7 Ranked Score Actions | Each action with point range and time to reflect |
| Cheat Sheet | 180-Day Improvement Timeline | Week-by-week expected results |
| Cheat Sheet | Free Monitoring Tools Guide | 6 tools compared: score model, bureau, update frequency |
| Cheat Sheet | 5 Credit Score Myths Debunked | What actually hurts vs. what doesn't |
| Scripts | Interest Rate Reduction Script | Word-for-word call to lower your APR |
| Scripts | Hardship Program Enrollment Script | How to enroll in 0–6% hardship programs |
| Scripts | Debt Settlement Script | Negotiate 40–60 cents on the dollar |
| Scripts | Pay-for-Delete Script | Remove collections in exchange for payment |
| Scripts | Goodwill Late Payment Script | Request removal of isolated late payments |
| Scripts | Debt Validation Script | Preserve FDCPA rights when collectors call |
| Scripts | Cease Communication Script | Stop excessive collector contact legally |
| Homebuyer | Lender Qualification Benchmarks | Credit score, DTI, and down payment by loan type |
| Homebuyer | 12-Month Prep Checklist | Month-by-month actions from 12 months out to closing |
| Homebuyer | True Cost of Your Credit Score | Rate tier comparison and 30-year interest calculator |
| Homebuyer | Down Payment Assistance Guide | State programs, grant amounts, income limits |
| Homebuyer | Rate Shopping Strategy | How to compare lenders without hurting your score |
The Credit Score Boost Cheat Sheet gives you an immediate read on your situation — what your score is, what's hurting it most, and which of the 7 actions will move the needle fastest. This is your starting point before doing anything else.
The Credit Repair Action Kit gives you the 90-day plan and the dispute letters to execute it. The Debt Negotiation Scripts give you the phone scripts to handle collectors, negotiate pay-for-delete agreements, and remove late payments through goodwill requests.
The Debt Freedom Planner gives you the Snowball and Avalanche worksheets to build a payoff plan, the zero-based budget to find the extra money to accelerate it, and the net worth tracker to measure your progress month by month.
The First-Time Homebuyer Prep Guide gives you the 12-month roadmap to show up to a lender in the strongest possible position — with the right credit score, the right DTI, and the right amount saved. Most buyers skip this preparation and pay for it in higher rates.
Immediately after purchase, you'll receive an email with download links to all 5 PDF files. You can download them to any device and print them if you prefer a physical copy. There is no app or account required.
Yes. Each product is available individually on the Resources page. The bundle saves you $30 compared to buying all five separately ($77 total vs. $47 for the bundle).
If you're only focused on credit repair right now, the Credit Repair Action Kit ($17) is the right starting point. If you're primarily dealing with debt, the Debt Freedom Planner ($17) is the right choice. The bundle is the best value if you're working on multiple areas at once — which most people are.
Yes. All WiseIQ products come with a 30-day money-back guarantee. If you're not satisfied for any reason, contact us within 30 days of purchase for a full refund.
Fix your credit, eliminate your debt, negotiate with creditors, and prepare to buy a home. Everything you need in one bundle.
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Educational Use Only: All WiseIQ products are for educational and informational purposes only. They do not constitute legal, financial, or mortgage advice. Results vary by individual and are not guaranteed. WiseIQ is not a credit repair organization, debt settlement company, or law firm.