Page 48 - Credit Matrix: The Path to Financial Liberation Red Contract

**Mr. Moor's 90-Day Credit Transformation Plan:**

1. **Week 1-2: Credit Report Accuracy and Cleanup**

- **Tool: Dovly.ai** - Immediately initiate a thorough review of your credit report
using Dovly.ai. This tool automates the dispute process for inaccuracies,
potentially boosting your score within weeks.

- **Action Steps**: Identify and dispute errors, including late payments,
incorrect balances, or outdated personal information. Aim for resolution or
significant progress within the first two weeks.

2. **Week 3-4: Establishing a Secured Credit Line**

- **Options**: Obtain a secured credit card from a reputable issuer. Consider
alternatives like Chime or Atlas for their unique credit-building features.

- **Action Steps**: Make small purchases and pay them off in full. This
demonstrates responsible credit usage and begins to establish a positive
payment history.

3. **Week 5-6: Financial Institution Alignment**

- **Goal**: Join a well-regarded bank or credit union known for supporting credit
growth.

- **Action Steps**: Open an account, set up direct deposit if applicable, and
explore credit-building products they offer, such as small personal loans or
credit-builder loans.

4. **Week 7-8: Credit Type Diversification**

- **Strategy**: Apply for a mix of credit types, such as a retail credit card and an
installment loan.

- **Action Steps**: Use these new lines of credit sparingly, maintaining low
utilization rates (ideally below 30%). Ensure timely payments on all accounts.