Payments are processed by Stripe. No guaranteed credit outcomes.
For everyone who was never taught this
Your financial guide for what they never taught you in school.
Credit, bills, budgets, business, wealth — most of us were expected to just know. DueSmart teaches it in four courses: understand credit, repair it, get funding-ready, then build and protect wealth.
Every course gives you a starting assessment, interactive labs, a saved 90-day plan, and a certificate you have to earn — in five written languages, without judgment.
What part of your financial life is on your mind most right now?
Stage Pass $147 · Complete Pass $347 (all three credit courses). One payment, no automatic renewal. Payments are processed by Stripe. No guaranteed credit outcomes.
文 5 Languages🎙 AI Voice Coaches✓ One Clear Price🌍 Built in Atlanta
🌍 No good or bad answers — only your starting point. Tell DueSmart where you are, and it will show you what to learn, what to fix, what to track, and what to do this month.
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Start with an honest conversation
Tell DueSmart where you are. We'll help you figure out where to start.
There are no good or bad answers here — only your starting point. Five questions, about a minute, and you'll get your recommended path, what to focus on first, and three next steps you can actually do this week. Your answers stay on your device — we never ask for your Social Security number, account numbers, passwords, or bank login.
Every part solves a different problem. Together, they teach what school never did.
Four courses carry you from understanding credit, to repairing it, to strengthening it for funding, to building and protecting generational wealth. Each one gives you an assessment, interactive labs, a saved 90-day plan, measured progress, and a certificate you have to earn. Enter where you are now and use the DueSmart Tracker so what you learn becomes organized action — not another course you forget.
Four courses and one execution layer, designed to work together.
Understand what matters, repair what is holding you back, strengthen your profile before you apply, then build and protect wealth with qualified guidance — and keep following through with the DueSmart Tracker every month.
Understand→Repair→Strengthen→Build and protect→Execute
More than courses. DueSmart builds the software behind them.
DueSmart is an educational technology and software company. We develop the proprietary learning systems, financial organization tools, and AI-assisted coaching that carry every lesson into real life.
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Interactive course-delivery system
Assessments, structured lessons, interactive Mastery Labs, saved 90-day plans, progress measurement, and earned certificates in every course.
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AI-assisted voice learning
Talk to DueSmart and four dedicated course coaches answer questions out loud in English, Spanish, French, and Portuguese.
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DueSmart Tracker
Due dates, close dates, balances, utilization, reminders, and next actions organized every month — without a bank login.
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DueSmart Finance workspace
Budgets, transactions, receipts, goals, and business books — with a large-button Simple view for calm, readable money management.
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Multilingual by design
Written learning in five languages across the ecosystem, so financial education is not limited by English fluency.
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Member progress dashboards
Mission Control brings your courses, certificates, saved plans, and progress together in one member home.
The budget path · Personal clarity · Business books
Get control of your budget.
Money comes in, money disappears — DueSmart's money workspace shows you where it goes. Start with large buttons and plain-language choices, then grow into budgets, goals, receipts, and business books when you're ready. You can even talk through money questions out loud.
Simple Finance is the large-button entry into the same DueSmart Finance workspace. Current offers and terms are verified live in Finance.
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Daily clarity & voice
Review what changed, what is due soon, and one clear next step—then speak a transaction or ask through a money decision.
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Bank activity your way
Use secure bank connections where supported, or import a bank CSV for a clear view without a false connected-bank claim.
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Receipts & reconciliation
Read receipts, review every detail, match cleared activity, and bring each statement difference back to zero.
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Business books that grow with you
Organize cloud-ledger entries, invoices, bills, reports, payroll preparation, tax packets, and role-based team access.
Personal money stays device-local. Signed-in Business records use DueSmart's secure cloud ledger.
Multilingual courses · Multilingual AI voice
Read it. Hear it. Ask it. In the language you understand best.
Credit education should not be limited by English fluency. DueSmart combines translated course content with AI voice instructors who can explain lessons and answer questions across supported languages.
EnglishEspañolFrançaisPortuguêsKreyòl · course text
One ecosystem guide · Four dedicated course coaches
Ask DueSmart where to start. Then talk it through.
Talk to DueSmart can guide you across the complete ecosystem. Inside each course, a dedicated voice coach helps you explore that stage in greater depth.
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Talk to DueSmart — your ecosystem voice guide
Ask which starting point fits your situation, compare courses and pricing, learn how multilingual support works, or discover how the DueSmart Tracker turns lessons into monthly action. No bank login or private account details required.
Language note: Haitian Creole is supported in written course content across the ecosystem; AI voice support currently covers English, Spanish, French, and Portuguese.
Real members · Real progress
They started where you are.
“DueSmart has been a game-changer for me. I’m so enthusiastic about working with this program — it’s like having a personal finance assistant! I only wish I’d found it sooner. My credit cards are now streamlined, and my credit score has increased, giving me more freedom to manage my finances.”
758 → 802 credit score$14,000 new credit line approved
— Andrea · DueSmart member
Andrea’s experience is her own — results vary and are never guaranteed. What we promise: clear teaching, honest tools, and a plan you can follow.
Looking for Generational Wealth? Stage 4 is sold separately at wealth.duesmart.com for $147 one time, and includes its eight modules, six scored Wealth Mastery Labs, a saved 90-day wealth action plan, and the gated DueSmart Wealth Mastery certificate.
Want to start free? The DueSmart Tracker is free for your first 2 accounts — then $99 for 12 months (one payment, no automatic renewal; existing purchases keep their original access). Business access remains a separate operating plan.
Want to earn by sharing DueSmart? The DueSmart Ambassador Program pays 30% on Stage and Complete Passes, 15% on Guided, and 20% on Continuity for up to 12 months. See the rules and apply →
Clear-access promise: One public price appears everywhere. Existing customers keep the access they already purchased. Haitian Creole is available in written course content; AI voice coaching currently supports English, Spanish, French, and Portuguese.
Our honest promise: DueSmart is education, not individualized financial, legal, tax, or investment advice. No one can promise you a specific credit score or wealth outcome — anyone who does is selling something else. What we promise: clear teaching, honest tools, and a plan you can follow.
For churches, community groups, employers and families
Want to cover courses for other people? Sponsor seats and hand out codes.
Buy as many course seats as you want to give away, at the same price an individual pays. You receive one redemption code per seat on a printable sheet, you decide who gets them, and nobody has to hand you their personal information.
1
Set your quantity.
Choose Stage Pass at $147 a seat or Complete Pass at $347 a seat, then tap the number of seats. The payment page opens with that number already filled in.
2
Get your codes.
Within one business day we email you a printable sheet of redemption codes — four tear-off cards per page, redemption steps on every card.
3
Give them out.
Each code works once. The person who receives it redeems directly with us, so nothing about their situation ever comes back to you.
Duesmart/Formshq Inc is a for-profit educational software company, not a 501(c)(3). Sponsoring seats is a purchase of course access, not a tax-deductible charitable donation.
Free Credit Education
Start with the credit question you are already asking.
Use these evidence-first guides and private calculators before choosing a paid product. The educational articles remain on Duesmart.com; the Credit Command Center is the optional workspace for organizing the next steps.
Start where your situation is. Choose Beginner Credit — Foundation if credit is new or confusing, Credit Reset — Repair if errors or damage are holding your file back, 720+ Funding Readiness if you are preparing to apply for credit or funding, and Generational Wealth if you are ready to protect, grow, and transfer what you build. If you are not sure, the free Credit Health Passport asks five questions in about sixty seconds and recommends your starting stage.
Are the courses multilingual?
Yes. The written course experience in all four courses is available in English, Spanish, French, Portuguese, and Haitian Creole. AI voice coaching is available in English, Spanish, French, and Portuguese.
Is Haitian Creole voice available?
No. Haitian Creole is supported in written course content only. AI voice coaching currently covers English, Spanish, French, and Portuguese. The Haitian Creole translation is provided for access and has not been professionally certified.
Are results guaranteed?
No. DueSmart is education. No one can guarantee a credit score, an approval, a funding amount, or an investment return. Lender requirements vary, creditworthiness involves more than a score, and accurate negative information generally cannot be removed from a credit report simply because it is harmful. What DueSmart promises is clear teaching, honest tools, and a plan you can follow.
Do I receive a certificate?
Yes. Each course issues a DueSmart completion certificate that stays locked until you finish the required modules, labs, and plan steps for that course. Certificates and plans can be printed. A certificate records completed coursework — it is not a license or a professional credential.
Are the plans saved?
Yes. Each course saves your personalized plan — a 90-Day Financial Control Plan in Foundation, a personalized repair plan in Credit Reset, a 90-day funding-readiness plan in 720+, and a 90-day wealth action plan in Generational Wealth — along with your progress and your before-and-after measurement.
Is DueSmart financial, legal, tax, or investment advice?
No. DueSmart provides educational content only and is not individualized financial, legal, tax, insurance, or investment advice. DueSmart is not a bank, lender, law firm, tax practice, credit-repair organization, or investment adviser. Where appropriate, consult qualified fiduciary, tax, legal, insurance, and estate professionals.
Can I buy one course or the complete ecosystem?
Both. A DueSmart Stage Pass is $147 USD one time for a single credit-course stage. The Complete Ecosystem Pass is $347 USD one time and includes all three credit courses. The Guided Ecosystem is $597 USD one time and adds a personal strategy review and a 30-day implementation follow-up. The Generational Wealth course is $147 USD one time and is sold separately.
They never taught you. DueSmart will.
Sixty seconds from now you can have a starting point, a focus, and three next steps — free, in your language, no sensitive info required.
Material educational claims on this page about credit reports, credit scores, disputes, consumer protections, and responsible credit use are reviewed against current primary sources. Educational content does not guarantee a score, approval, rate, funding amount, or timeline.
