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Welcome to the Rise Rich Collective ~ Where Mindset Meets Money, and Community Creates Legacy.

You were never meant to do this alone!

Join a dynamic membership community built for legacy-builders, dream-chasers, and everyday people rewriting their money story.


LaChelle Johnson

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Rise Rich Collective

Master the art of credit repair with this simple, step-by-step course designed to help you identify errors, dispute inaccuracies, and build a stronger credit profile. Get empowered to take control and protect your financial freedom with actionable strategies that anyone can follow.

<p style="font-family:Helvetica,Arial,sans-serif;font-size: 16px;line-height: 160%;color: #1B1B18;margin:0; text-align: left;"><span>Master the art of self credit repair with this simple, step-by-step guide designed to help you identify errors, dispute inaccuracies, and build a stronger credit profile.  Get empowered to take control and protect your financial freedom with actionable strategies that anyone can follow FREE!</span></p>

Access your free credit reports from all three major bureaus (Equifax, Experian, TransUnion) at AnnualCreditReport.com.

Pull, save or print copies so you can reference them later.

Access your credit report FREE!

Pull Your Credit Reports and Review

Identify inaccurate or suspicious items on your credit report including unknown accounts, incorrect balances, old collections, and wrong personal details. Check every section for errors, including:
-Accounts you don’t recognize
-Late payments you know were paid on time
-Incorrect balances or credit limits
-Old collections that should no longer be reporting
-Incorrect personal information (name, address, employer)
📌 If it looks wrong or unfamiliar, flag it.

Review and Flag Errors

📌 How to use this Dispute Letter Template:
-Send one letter per bureau reporting the error
-Upload this letter directly on the bureau’s dispute portal or mail it certified
-Attach proof (statements, receipts, confirmation emails)
-Save a copy for your records
-Expect a response within 30 days

Credit Dispute Letter Template

Dispute the Errors

Strategies for improving parts of your credit report that are technically accurate but negatively impacting your score. For accounts that are correct:
-Bring any past-due accounts current
-Pay down balances (aim to use less than 30% of your limit)
-Set up auto-pay for at least the minimum due
-Ask creditors for goodwill adjustments if a late payment was a one-time issue

Fix What’s Accurate but Hurting You

🔎 Free Credit Monitoring Tools
📊 1. Credit Karma
Monitors your credit scores and reports from Equifax & TransUnion
Sends alerts for changes (new accounts, inquiries, balance changes)
Offers personalized tips on how to improve credit
👉 Free forever, with optional paid features
📈 2. Credit Sesame
Provides your TransUnion score and credit monitoring
Alerts you to important changes
Includes basic identity protection tools
📋 3. Experian Free Credit Monitoring
Free monitoring of your Experian credit profile
Alerts for new accounts, inquiries, or changes
Includes access to your Experian credit report & FICO® Score
🧾 4. CreditWise from Capital One
Available to anyone (doesn’t require a Capital One card)
Monitors your TransUnion credit report
Sends alerts for key changes
Offers simulated “what-if” score modeling
🛡 5. Bank / Card Issuer Tools
Many banks and credit card issuers now offer free credit monitoring if you have an account:
Discover Credit Scorecard (open to non-customers too)
Citi® Credit Journey
Chase Credit Journey
U.S. Bank CreditView
Wells Fargo Credit View
These often include:
✔ Current score
✔ Alerts for changes
✔ Monthly refreshes 
Stay consistent— and remember on-time payments matter most!

Rise Rich Credit Clean-Up Kit

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