Unlock your credit
Free · 5 Pages · No Gurus

Take back your credit in 90 days.

The exact checklist Dr. Herman Marigny III uses with his community to move scores by 40–80 points — without $997 courses, sketchy repair companies, or templates that don't work.

90d
Full Reset
40+
Points Avg
$0
Forever Free

What's inside the five pages.

The 90-day system
01

Know Your Starting Line

Pull all three reports free and lock in your Day 0 baseline. No more guessing at your score.

02

The Dispute Sweep

The 30-day legal framework to challenge every questionable item on every bureau.

03

Crush Utilization

The fastest legal lever in your FICO score — most people miss it entirely.

04

Build Positive History

Disputing removes damage. This step adds fuel — authorized users, secured cards, rent reporting.

05

The 90-Day System

Week-by-week plan so you stop guessing and start winning. A real system, not a pep talk.

"You can't build wealth on a broken foundation. Start with truth, then build."
Dr. Herman Marigny III
Co-founder, Royal Ruby
After the Checklist

The next step is the Ruby Starter Pack.

The 90-day financial reset bundle — the checklist, a budget builder, a debt destroyer, and the dispute letter templates we use. One-time, not a subscription.

Get the Starter Pack — $17
$17
Ruby Starter Pack
  • 5-Page Credit Reset Checklist
  • 90-Day Budget Builder
  • Debt Destroyer Spreadsheet
  • 3 Dispute Letter Templates
  • Lifetime access — one payment

Not a subscription. Instant delivery.

Rung Two

For the ones with real damage.

The Ruby Dispute Vault is the binder. Twelve battle-tested dispute letter templates, the FCRA script book, a method-of-verification playbook, and the actual letters Dr. Marigny has used to remove collections, charge-offs, and six-year-old judgments. Certified-mail ready.

Get the Dispute Vault — $47
$47
Ruby Dispute Vault
  • 12 dispute letter templates (collections, charge-offs, inquiries, medical, old addresses, mixed files)
  • FCRA § 611 method-of-verification script
  • Certified mail walkthrough + tracking sheet
  • 30-day follow-up cadence
  • Goodwill deletion + pay-for-delete scripts
  • Lifetime access — includes all updates

Educational templates. Not legal advice.

Rung Three

Credit becomes capital.

The Credit Stacker is the full program. Business credit from zero, leverage strategies, quarterly wealth-move briefings from Dr. Marigny, and the complete framework that turns a credit score into an income-generating asset. This is how you stop repairing and start building.

Get the Credit Stacker — $97
$97
Credit Stacker
  • Everything in the Starter Pack + Dispute Vault
  • Business credit blueprint (LLC → EIN → D&B → Net-30s)
  • Leverage playbook (credit lines as capital)
  • Dr. Marigny quarterly wealth-move briefing
  • Personalized 1/1 NFT certificate on Base
  • Lagniappe — your unexpected bonus (we do more)
  • Lifetime access — one payment, every future update
Rung Four — Done For You

Drowning in student loans?

The Dispute Forge is our done-for-you student loan dispute package. You fill a short intake form; we generate five custom letters using FCRA §611, FDCPA §809, CFPB complaint framework, MPN request, and a forbearance-steering audit — all personalized to your servicer, your account, your details. Certified-mail-ready, shipped to your inbox within minutes of checkout.

Start My Dispute — $149
$149
Dispute Forge
  • 5 personalized dispute letters generated from your intake
  • FCRA §611 credit bureau dispute (all three bureaus)
  • FDCPA §809 debt validation to your servicer
  • CFPB complaint draft (mandatory 15-day response)
  • Master Promissory Note request (effective for FFEL + private)
  • Forbearance steering audit (DOE accountability rule)
  • Delivered as a print-ready PDF packet, instant

Document preparation service. Not a law firm. Not legal advice.