Your smart-money map

Learn it in the right order.

Build the score, verify the business, map the funding and protect the payoff.

0% course complete
Build the profile
Prepare to fund
Use it wisely
Course progress0%
DUESMART COURSE · SAVES AS YOU LEARN

DueSmart presents

DueSmart720+Global American
Credit Playbook

Built for immigrants, first-generation Americans and multilingual entrepreneurs navigating credit and business funding in the United States.

8 guided modules30 day roadmap6 copy templates1 honest plan
TRUE TIER 3 · SECURE COURSE COACHING

Your 720+ Growth Command Center.

Speak, tap, or type. Instructor 720 explains one step at a time and saves only the exact change you confirm.

Checking connectionChecking your secure DueSmart connection…
01 · TALK

Ask Instructor 720 where to begin

Try: “I want to prepare for funding, but I do not know whether my profile is ready. Guide me slowly.”

Voice processing begins only after you tap. Never speak an SSN, password, PIN, full account number, or security code.
02 · NOTE

Save one module note

03 · NEXT

Choose one next action

04 · PLAN

Build your four-week readiness plan

Education—not an approval promise.A 720 score is a useful target, but lenders evaluate the full file, affordability, documentation, and current product rules.
01No fake profilesKeep every detail accurate
02No approval promisesFit and repayment come first
03No gray textClear, senior-friendly reading
04No lost progressAutomatic Mission Control sync
DueSmart Credit Health Ecosystem · Stage 3 of 3

Learn the rules. Repair what is wrong. Build toward 720+ readiness.

Three courses create the learning path. The Founder platform is the execution layer you use across every stage to track statement dates, due dates, balances, utilization, payments, and next actions.

Stage 1 · FoundationBeginner’s Credit GuideUnderstand American banking, credit, scores, interest, and responsible card use in plain language.Start with the rules →Stage 2 · RepairThe Credit Reset CourseAudit reports, correct genuine errors, stabilize payment habits, rebuild, and protect your file.Repair with evidence →Stage 3 · Growth · You are hereDueSmart 720+ PlaybookStrengthen the full profile, prepare for funding, and borrow with a documented payoff plan.Build funding readiness →Execution platform · Serves all three coursesPut every lesson to work inside DueSmart Founder.The courses teach the moves. Founder helps you make them on time—without connecting a bank account.Open Founder →
Interactive learning path

Eight modules. One clean strategy.

Module 1 is open free as a full preview — real lesson, real knowledge check. Your Stage Pass opens all eight; sign in below with your purchase to unlock. Progress stays saved on this device.

A 720 score is a useful target—not a promise of approval. Lenders also look at the depth, age, limits, balances, inquiries, identity data and payment pattern behind the number.

LEARN What 720 wants you to know

  • Pay every account on time. One late payment can outweigh several small “hacks.”
  • Keep revolving balances low before statements close; the reported balance can matter even when you pay in full later.
  • Preserve older, useful accounts when fees and risk still make sense.
  • Build your own primary history. Authorized-user accounts alone may not show that you can manage debt.
  • Review all three major reports and the scores a lender is likely to use. Consumer app scores may differ.

DO Your action steps

  1. List every card, limit, balance, statement date and due date.
  2. Turn on autopay for at least the minimum, then schedule your planned payment.
  3. Request and review your reports for genuine errors.
720 TRUTH CHECK

Do not open accounts only to chase a score. A strong file is stable, accurate and affordable.

Worked example

Dana wants funding in March. In January she lists every card with its statement date, moves her payments to land before each statement closes, and lets two cycles report. Nothing about her spending changed — but the file a lender reads in March shows 9% utilization instead of 78%.

Common mistake

Chasing app scores. The consumer app number is a different model than the one most lenders pull, so people polish the wrong number while the reported file stays unprepared.

CHECK Knowledge check — 3 questions, 2 correct passes

1. Why can the balance you pay in full still hurt a funding application?

2. What is a 720 score in underwriting reality?

3. Why are authorized-user accounts alone a weak foundation?

Mastery center

Prove it, track it, earn it.

Your dashboard, the Funding File Lab, your before-and-after facts, and the certificate you earn by passing every knowledge check. Saved on this device.

0 / 8Modules complete
0 / 8Checks passed
0 / 6Lab issues found
LockedCertificate

LAB The Funding File Lab

Below is a fictional funding application file for “Jordan Sample / Sample Vending LLC.” Nothing in it is real. 6 of the 10 entries would weaken or falsify this file. Tap every entry you would flag before this application goes out.

Issues found: 0 / 6

TRACK Before & after — facts, not scores

Record what you control. Score movement follows the file on its own schedule and is never promised.

Planning month
Application month

EARN Certificate of Completion

Certificate of Completion — locked: 0 of 8 modules complete, 0 of 8 knowledge checks passed. Finish both and this unlocks.

Your saved action plan

The 30-day 720 roadmap.

Preparation beats rushing. Check tasks as you finish them; each check is saved automatically.

ROADMAP COMPLETE0 / 16 tasks
01
Week 1

Know the file

02
Week 2

Fix the foundation

03
Week 3

Build the funding map

04
Week 4

Make the decision

Interactive 0% payoff planner

Turn “0%” into a real deadline.

This simple estimate uses one fewer month than the advertised promotion to create a safety buffer. It excludes fees and new purchases.

720

Smart-money rule: if the target payment does not fit today’s reliable cash flow, reduce the planned balance before applying.

SAFETY-BUFFER PAYMENT$1,715/month

Based on paying the balance in 14 months.

Ready-to-use words

Copyable 720 templates.

Replace the brackets with your accurate details. These templates help you ask better questions—not misrepresent your profile.

Before applying

Banker question script

Hello, I’m comparing business financing for [specific business use]. Before I apply, can you confirm the eligibility requirements, whether prequalification is available, whether the application may create a hard inquiry, which consumer or business reports may be reviewed, the documents required, the complete fees and APR, and whether a personal guarantee is required? Please also tell me when this information was last updated.

Use it honestly: edit the brackets, attach real evidence where relevant and verify product details directly.

Clear ecosystem pricing

Choose Growth alone, or connect the whole journey.

One public price per offer. Languages, AI voice support, and Founder access are stated up front—not sold as surprise upgrades.

GROWTH STAGE

DueSmart Stage Pass

Complete multilingual 720+ Playbook with Instructor 720

$147
  • Eight guided credit and funding-readiness modules
  • Five written languages: EN · ES · FR · PT · Kreyòl
  • 90 days of AI voice coaching: EN · ES · FR · PT
  • One year of Founder execution access

BEST FOR: Learners already focused on readiness and growth.

Choose Growth — $147
MOST POPULAR
ALL THREE STAGES

Complete Pass

All courses, all voices, and lifetime Tracker access

$347
  • Foundation + Repair + Growth courses
  • All course voice coaches plus Talk to DueSmart for one year
  • Five written course languages and course updates
  • Founder Lifetime included

BEST FOR: Learners who want one connected credit-health system.

Get Complete — $347
PERSONAL SUPPORT

Guided Pass

Complete access plus human-guided implementation

$597
  • Everything in the Complete Pass
  • Personal credit-health strategy review
  • Clear priorities before lender applications
  • Structured 30-day implementation follow-up

BEST FOR: People who want personal review and accountability.

Choose Guided — $597
ONGOING ACCESS

Coach Continuity

Continue multilingual voice support after included access

$27/month
  • Continued multilingual AI voice access
  • Updated strategies and practical reminders
  • Talk to DueSmart ecosystem guidance
  • Annual option: $247/year

BEST FOR: Members who want a coach beyond the included period.

Continue Monthly — $27Choose Annual — $247
720

Clear-access promise: Existing customers keep their purchased access. Haitian Creole is available in written lessons; AI voice supports English, Spanish, French, and Portuguese. Funding approval is never guaranteed.

Six-source transcript scan

What made the course—and what did not.

The attached masterclasses contained both useful preparation ideas and aggressive claims. DueSmart 720 keeps the lessons that support accurate, affordable decisions.

KEEP

Strong lessons

  • Optimize payment history and revolving balances.
  • Make business information consistent and verifiable.
  • Research products and lender relationships before applying.
  • Sequence only justified applications with pause rules.
  • Use 0% offers with a measured purpose and payoff deadline.
  • Graduate toward stronger financial documentation.
REJECT

Risky “hacks”

  • Freezing files to hide accurate bankruptcies or inquiries.
  • Disputing accurate information or legitimate inquiries.
  • Buying aged entities to misstate operating history.
  • Moving the same deposits to inflate bank-statement revenue.
  • Inventing addresses, officers, web traffic or industries.
  • Liquidating cards through strangers or selling user access.
!

Educational course: This playbook is not legal, tax, credit repair or lending advice. Score models and lender rules vary. Approval and funding amounts are never guaranteed. Confirm current terms with the reporting company, issuer and qualified advisers.

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Your next best move

Finish the foundation before you fund.

Complete each module, work the 30-day roadmap and let readiness—not urgency—choose your application date.