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.
The American banking and credit system feels confusing, unfamiliar, or full of rules no one clearly explained.
Plain-language understanding of scores, interest, reports, responsible card use, and the dates that shape credit health.
Add your current cards and loans, capture the correct dates, and turn new knowledge into an organized starting point.
Report errors, damaging patterns, missed payments, and unstable habits keep the credit file from moving forward.
A documented repair process for auditing reports, correcting genuine errors, rebuilding habits, and protecting progress.
Prioritize payments, set reminders, watch reported balances, and keep the repair plan visible between course lessons.
A better score alone may still leave utilization, profile strength, timing, or payoff strategy unprepared for funding.
A stronger, more intentional credit profile with funding readiness, documented borrowing goals, and a payoff plan.
Monitor utilization and timing before applications, coordinate payoff moves, and keep personal and business accounts organized.
Tax, retirement, asset-protection, and estate-planning strategies can feel fragmented, technical, and difficult to coordinate.
A clear educational framework for creating, keeping, protecting, and intentionally passing wealth to the next generation.
Keep card and loan timing, cash-flow obligations, and monthly financial tasks organized while building a professional wealth plan.
Knowledge without consistent follow-through still leads to missed dates, avoidable fees, high reported balances, and lost opportunities.
One monthly system for close dates, due dates, balances, utilization, payments, reminders, and next actions.
The Tracker carries Foundation, Repair, Growth, and Wealth planning into real life by showing what needs attention next—without requiring a bank login.
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.
Same Mastery System in every course. Different problem, different labs, different plan. Scroll the table sideways to see every course.
| Compare the four courses | Beginner Credit | Credit Reset | 720+ Playbook | Generational Wealth |
|---|---|---|---|---|
| Stage | Stage 1 · Foundation | Stage 2 · Repair | Stage 3 · Growth | Stage 4 · Wealth |
| Best for | Credit is new, unfamiliar, or never clearly explained | Errors, damage, or unstable habits are holding the file back | Preparing to apply for credit or business funding | Protecting, growing, and transferring what you build |
| Core teaching | Three guided learning tracks | Twelve instructional modules | Eight playbook modules | Eight wealth-planning modules |
| Starting assessment | Yes | Yes | Funding-readiness assessment | Yes |
| Interactive labs | Credit Report Investigation Lab | Seven Mastery Labs | Seven funding-readiness labs | Six scored Wealth Mastery Labs |
| Signature practice | Evidence checklist, fraud and freeze education, snowball versus avalanche | Genuine-error investigation, dispute evidence, creditor-call preparation | Underwriting readiness, total-cost comparison, 0% stress test, stop or go gate | Tax-location concepts, fee awareness, beneficiary and titling preparation |
| Saved plan | 90-Day Financial Control Plan | Personalized repair plan | 90-day funding-readiness plan | 90-day wealth action plan |
| Progress measurement | Before-and-after confidence and action | Progress tracking | Progress measurement | Before-and-after knowledge and confidence |
| Certificate | Locked DueSmart certificate | Gated completion certificate | Gated completion certificate | Gated DueSmart Wealth Mastery certificate |
| Written languages | EN · ES · FR · PT · Kreyòl | EN · ES · FR · PT · Kreyòl | EN · ES · FR · PT · Kreyòl | EN · ES · FR · PT · Kreyòl |
| AI voice coach | Life · EN · ES · FR · PT | Reset · EN · ES · FR · PT | Instructor 720 · EN · ES · FR · PT | Wealth · EN · ES · FR · PT |
| Where to get it | Open the course → | Open the course → | Open the course → | Open the course → |
Pricing: Beginner Credit, Credit Reset, and 720+ are each available on a Stage Pass at $147 USD one time, or together on the Complete Ecosystem Pass at $347 USD one time. Generational Wealth is $147 USD one time and is sold separately on its own course site.
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.
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.
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.
Your beginner-friendly voice coach for understanding American banking, credit scores, APR, utilization, interest, and the language used throughout the course.
Your credit-repair learning companion for talking through report reviews, genuine-error correction steps, rebuilding habits, and what to work on next.
Your implementation-focused voice coach for utilization, payoff planning, profile strength, funding readiness, and applying the 720+ Playbook.
Your plain-English voice coach for learning how families can coordinate lawful tax strategies, retirement tools, asset protection, and estate planning.
All four courses provide written learning in English, Spanish, French, Portuguese, and Haitian Creole.
Life, Reset, Instructor 720, and Wealth support voice conversations in English, Spanish, French, and Portuguese—so learners can ask questions and hear explanations in a supported language.
The DueSmart Ecosystem Hub is fully available in five languages: English, Spanish, French, Portuguese, and Haitian Creole.
Language note: Haitian Creole is supported in written course content across the ecosystem; AI voice support currently covers English, Spanish, French, and Portuguese.