Score Improvement Starts Here
You improve your score by building the right foundation
Learn the Financial Pyramid: a simple framework that helps you build stability, reduce debt, and improve your score in the right order.
Proven money-education framework across the U.S.
The Financial Pyramid
The foundation-first system that improves your score
A clear, step-by-step framework that shows exactly where to start and what to build next.
Growth Layer
- Investments
- Retirement Plans
- Long-term Goals
Foundation Layer
- Budgeting
- Spending plan
- No new debt
- Emergency cash
Strengthening Layer
- Debt reduction
- Credit score improvement
- Auto-savings habits
Tools to Improve Your Score
Simple calculators that make the next step easy
Use these guided tools to plan your budget and reduce your debt.
Family Budget Planner
See exactly where your money goes and where it shouldn’t.
- Track your monthly income and expenses
- Spot spending leaks before they become habits
- Create savings categories for different areas
- Visualize your budget in one simple sheet
- Identify plays you are spending excess money
Debt Reduction Calculator
Turn debt stress into a simple step-by-step plan.
- Enter all debts and balances in one place
- Follow a clear payoff order for fastest results
- Watch your debt shrink with easy wins
Household Financial Worksheet
See exactly where your money goes and where it shouldn’t.
- Track income and savings categories
- Manages expenses and debts
- Organizes financial assets and future planning
- Identify plays you are spending excess money
Ready to Get Started?
Ready to see your financial score and get your personalized game plan?