Build the score, verify the business, map the funding and protect the payoff.
Build the profile
Prepare to fund
Use it wisely
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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
01No fake profilesKeep every detail accurate
02No approval promisesFit and repayment come first
03No gray textClear, senior-friendly reading
04No lost progressSaved on this device
Interactive learning path
Eight modules. One clean strategy.
Open each lesson, complete the actions and mark it done. Your 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.
LEARNWhat 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.
DOYour action steps
List every card, limit, balance, statement date and due date.
Turn on autopay for at least the minimum, then schedule your planned payment.
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.
The transcripts repeatedly return to the same truth: underwriting sees the whole file. A thin 780 profile can be weaker than a mature, well-managed profile with meaningful limits and clean history.
LEARNWhat 720 wants you to know
Lower personal utilization before a business funding application when the product uses a personal guarantee.
Avoid unnecessary applications in the months before a planned funding round.
Correct only information that is inaccurate, incomplete or not yours—and keep evidence.
Match identity details across reports: legal name, current address, phone and employer or business information.
Read every denial or adverse-action notice. It tells you which report or factor needs attention.
DOYour action steps
Choose a target application month.
Work backward two statement cycles to plan balance reductions.
Create a folder for reports, receipts, disputes and lender responses.
Real consistency beats artificial polish. Your entity, tax records, bank profile, website and application should describe the same legitimate business.
LEARNWhat 720 wants you to know
Keep the entity active and in good standing with the correct legal name, address and ownership.
Use the EIN, business bank account and bookkeeping records consistently.
Describe the industry truthfully. Never rename a risky activity as “consulting” just to influence underwriting.
Use a real, monitored business email and phone number. A clear website can help explain what the company does.
Choose LLC, S corporation or C corporation with qualified legal and tax advice—not because a video promises bigger limits.
DOYour action steps
Compare the Secretary of State record, IRS record, bank profile and website.
Fix mismatches before applying.
Prepare a one-sentence business description and a specific use-of-funds plan.
720 TRUTH CHECK
Do not buy an aged or shelf company to misrepresent operating history. Never invent officers, revenue, leases, website traffic or trade references.
Specialty consumer reports can affect identity verification, deposit accounts, housing and lending. A security freeze is for privacy and identity protection; it is not a tool for hiding accurate information.
LEARNWhat 720 wants you to know
LexisNexis Risk Solutions may hold identity and public-record data. Its consumer freeze process also covers SageStream.
Innovis maintains a consumer credit file used for identity and risk decisions.
Cotality Credco, formerly associated with the CoreLogic name, provides merged mortgage reports and consumer assistance.
ChexSystems is especially relevant when a bank account application is denied.
A freeze can delay an application. Ask the lender what it needs, lift the correct freeze temporarily, then refreeze if desired.
DOYour action steps
Request the relevant disclosure first.
Dispute genuine inaccuracies directly with evidence.
Store freeze confirmations and PINs securely.
720 TRUTH CHECK
Freezing a report does not delete accurate history, guarantee approval or create a valid reason to omit required disclosures.
Sequencing means choosing a written order for well-researched applications. The goal is enough suitable capital with fewer surprises—not maximum debt or hiding recent applications.
LEARNWhat 720 wants you to know
Start with institutions where you already have a healthy, real relationship.
Compare credit unions, regional banks, national banks and digital lenders by product fit—not social-media popularity.
Ask whether prequalification is available and whether the application may create a hard inquiry.
Ask which consumer or business reports may be reviewed; policies vary by product, state and date.
Rank by use, total cost, documentation, repayment fit and relationship. Bureau choice is only one factor.
DOYour action steps
Complete the lender comparison template.
Set pause rules for denials, unexpected inquiries or weaker-than-planned terms.
Set a stop rule: stop when the written business need is funded.
A 0% introductory APR can reduce interest during a defined window. It is real debt. Minimum payments usually will not eliminate a large balance before the normal APR begins.
LEARNWhat 720 wants you to know
Confirm what receives 0%: purchases, balance transfers or both.
Check the promo end date, annual fee, transfer fee, cash-advance terms and default APR.
Use capital for a measurable business purpose with a realistic return—not lifestyle spending.
Divide the planned balance by one fewer month than the promo window to create a safety buffer.
Track every use and stop new spending when the repayment plan is no longer ahead.
DOYour action steps
Enter your planned balance in the payoff planner.
Tie each dollar to inventory, equipment, marketing or another measured use.
Automate the target payment where cash flow permits.
720 TRUTH CHECK
Never assume “0%” means no payment, no fees or no consequences. Read the issuer agreement.
The masterclasses describe a progression from credit-led products to bank-statement, full-document and SBA financing. Larger, lower-cost capital usually requires stronger proof.
LEARNWhat 720 wants you to know
Foundation: correct genuine errors and stabilize payments and balances.
Depth: build a mature personal and business record that reflects real activity.
Credit-led products: expect identity, credit and business verification even when tax returns are not requested.
Bank-statement financing: deposits, average balances, overdrafts and cash flow can matter.
Full-document or SBA lending: prepare tax returns, financial statements, debt schedules and a clear business case.
DOYour action steps
Identify your current rung—not the rung promoted online.
Gather the documents for the next rung.
Compare APR, fees, term, collateral, personal guarantee and prepayment rules.
Approval is the beginning of the responsibility. Separate spending, preserve liquidity and keep the business strong enough to repay without another emergency application.
LEARNWhat 720 wants you to know
Keep business and personal purchases clearly categorized.
Pay on time even if a business card does not routinely report utilization to personal bureaus.
Watch cash flow weekly and the promotional deadline monthly.
Do not manufacture bank-statement revenue by cycling the same money among accounts.
Do not sell authorized-user access, liquidate cards through strangers or use cash advances without understanding the cost.
DOYour action steps
Create a weekly balance and cash-flow review.
Reserve the payoff amount before discretionary spending.
Document the result of the funded project.
720 TRUTH CHECK
There is no “corporate credit loophole” that cancels repayment, fraud rules, tax rules or a personal guarantee.
Your saved action plan
The 30-day 720 roadmap.
Preparation beats rushing. Check tasks as you finish them; each check is saved automatically.
ROADMAP COMPLETE
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
$0/month
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.
Underwriting prep
Use-of-funds mini plan
Business need: [what the business needs]. Amount requested: $[amount]. Exact use: [inventory/equipment/marketing/payroll bridge]. Expected measurable result: [revenue saved or generated]. Repayment source: [existing cash flow/new contracted revenue]. Monthly target payment: $[amount]. Stop rule: I will not borrow more once [need] is funded.
Use it honestly:edit the brackets, attach real evidence where relevant and verify product details directly.
Sequencing
Lender comparison CSV
Institution,Product,Business purpose,Existing relationship,Prequalification,Possible hard inquiry,Reports reviewed,Promo APR and end date,Fees,Personal guarantee,Documents,Monthly payment,Pause rule,Verified date
[Bank],[Product],[Purpose],[Yes/No],[Yes/No],[Ask],[Ask],[Terms],[Fees],[Yes/No],[List],[$],[Rule],[Date]
Use it honestly:edit the brackets, attach real evidence where relevant and verify product details directly.
Accuracy only
Factual error dispute
Subject: Dispute of inaccurate information
I am writing to dispute information in my consumer report that I believe is inaccurate or incomplete. The item is [identify item]. It currently states [reported information]. The accurate information is [correction]. I have enclosed copies of [supporting documents]. Please investigate, correct or delete information that cannot be verified, and send me the results and an updated copy of my report. This request concerns accuracy only.
Use it honestly:edit the brackets, attach real evidence where relevant and verify product details directly.
Pause first
Denial review script
I received an adverse-action notice dated [date] for [product]. Please confirm the principal reasons for the decision, the consumer or business reporting companies used, and whether reconsideration is available. I would like to correct any factual misunderstanding and provide relevant documentation. I am not asking you to ignore policy or inaccurate application information.
Use it honestly:edit the brackets, attach real evidence where relevant and verify product details directly.
Protect the promo
0% payoff agreement
Approved balance used: $[amount]. Promo end date: [date]. Safety payoff date: [one month earlier]. Monthly target: $[amount]. Business use: [purpose]. Expected return: [result]. Weekly review day: [day]. I will stop new spending if the remaining balance divided by remaining safe months exceeds my affordable payment.
Use it honestly:edit the brackets, attach real evidence where relevant and verify product details directly.
Choose your level of support
A clear path from learning to implementation.
Start with the complete multilingual playbook, add live guidance from instructor 720, or choose a personal readiness review before pursuing funding.
SELF-PACED
Global Playbook
Complete multilingual self-paced course
$247
Eight guided credit and funding modules
English, Spanish, Haitian Creole, French and Portuguese
Saved progress, roadmap and copyable templates
Interactive 0% payoff planner
BEST FOR: Independent learners who want the complete system.
MOST POPULAR
COURSE + AI VOICE
Playbook + Instructor 720
Course plus interactive multilingual AI voice instruction
$347
Everything in the Global Playbook
Interactive guidance from male AI instructor 720
Ask questions in all four supported languages
Extra help understanding and applying each lesson
BEST FOR: Learners who want support while taking action.
PERSONAL SUPPORT
Premium Readiness Review
Everything above plus a personal credit and funding-readiness review
$597
Global Playbook and instructor 720 access
Personal review of credit and funding readiness
Clear priorities before lender applications
Personalized next-step implementation plan
BEST FOR: Entrepreneurs preparing for a funding decision.
ONGOING ACCESS
720 Voice Membership
Continued AI voice access and implementation support
$47/month
Continued multilingual AI voice access
Updated strategies and practical reminders
Ongoing implementation support
Founding-member or annual-payment rate: $39/month
BEST FOR: Members who want 720 beside them after the course.
720
Not sure which package fits? Choose based on the support you need—not the amount you hope to borrow. 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.