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

Forever Free

What's inside the five pages.

The 90-day system

Know Your Starting Line

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

The Dispute Sweep

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

Crush Utilization

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

Build Positive History

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

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 planned 90-day financial reset bundle includes the checklist, a budget builder, a debt destroyer, and dispute letter templates. Details and fulfillment are still being prepared.

Join the Starter Pack waitlist

Coming Soon

Ruby Starter Pack

5-Page Credit Reset Checklist
90-Day Budget Builder
Debt Destroyer Spreadsheet
3 Dispute Letter Templates
Access terms will be announced before launch

Pricing and delivery details have not been announced.

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.

Join the Dispute Vault waitlist

Coming Soon

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.

Join the Credit Stacker waitlist

Coming Soon

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
Future completion recognition details to be announced
Lagniappe — your unexpected bonus (we do more)
Access and update terms will be announced before launch