Credit & Debt Master Bundle
All 5 WiseIQ products in one complete system. Fix your credit, eliminate your debt, negotiate with creditors, and prepare to buy a home — 80+ pages of actionable content.
Financial Starter Pack
The Credit Repair Action Kit and Debt Freedom Planner together. Fix your credit and eliminate your debt with one purchase at a discount.
Premium Products
Worksheets, templates, and action plans
Credit Repair Action Kit
A 90-day action plan, 5 dispute letter templates with real FCRA/FDCPA language, and a monthly score tracker. Clean up your credit yourself.
- Week-by-week 90-Day Action Plan
- 5 Dispute Letter Templates (FCRA + FDCPA)
- Monthly Credit Score Tracker
- Per-card utilization tracker
- Negative item removal log
Debt Freedom Planner
Snowball and Avalanche worksheets, zero-based monthly budget, sinking fund guide, and a 12-month net worth tracker.
- Full debt inventory with true cost calculator
- Debt Snowball + Avalanche worksheets
- Zero-based monthly budget template
- 12-month net worth tracker
- Debt-to-income ratio tracker
Credit Score Boost Cheat Sheet
7 highest-impact actions ranked by realistic point gain and time to reflect. The fastest path to a meaningfully better score.
- 7 actions ranked by impact and speed
- 180-day improvement timeline
- Free monitoring tools comparison
- 5 credit score myths debunked
Debt Negotiation Scripts
7 word-for-word phone scripts for negotiating lower rates, hardship programs, debt settlements, pay-for-delete, and goodwill removals.
- Interest rate reduction script
- Hardship program enrollment script
- Debt settlement script (40–60 cents)
- Pay-for-delete + goodwill scripts
- FDCPA rights guide included
First-Time Homebuyer Prep Guide
A 12-month mortgage readiness plan with lender benchmarks, DTI targets, down payment strategy, and rate shopping guidance.
- Lender benchmarks by loan type
- 12-month prep checklist
- Down payment assistance programs
- Rate shopping without hurting your score
- True cost of your credit score calculator
Free Guides & Articles
No purchase required
Credit Score Guide
What your credit score actually means, how it's calculated, and the fastest ways to improve it.
How to Dispute Credit Report Errors
Step-by-step guide to finding and disputing errors on your credit report with all three bureaus.
Debt Snowball vs. Avalanche
A detailed comparison of both debt payoff methods with real examples to help you choose.
What Is Credit Utilization?
The 30% rule, the real 10% target, and the statement closing date trick most people don't know.
Personal Loan Calculator
Calculate monthly payments and total interest for any loan amount, rate, and term.
Credit Card Payoff Calculator
See exactly how long it will take to pay off your credit card balance and how much interest you'll pay.
Not Financial Advice: All content on this page is for educational and informational purposes only. WiseIQ is not a bank, lender, credit repair organization, or licensed financial advisor. Product terms and availability are subject to change. Consult a licensed financial professional before making major financial decisions.