The 90-Day Credit Fix: A Proven System to Boost Your Score Fast

Stephaine Taylor

Jul 2026 · Stephaine Taylor

Ebook

161

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About this ebook

The 90-Day Credit Fix is a detailed, practical guide to Understand Your Credit Score and Raise It in 90 Days for readers who want a clear path from understanding the topic to using it confidently in real situations. The book is designed as a structured learning companion rather than a shallow overview: it introduces the core ideas, explains why they matter, then develops them through realistic examples, guided practice, scenario-based explanations, and common mistakes to avoid. Readers are taken step by step from foundational concepts into everyday applications, with each chapter building on the previous one so the material feels progressive, usable, and easy to revisit. The main areas of focus include Your Credit Score: The Secret Number That Rules Your Financial Life, The Five Factors That Make or Break Your Score, How to Get Your Free Credit Reports and Score, Credit Report Error Hunt: Find and Fix Mistakes, The Utilization Game: Why 30% Is a Lie, Case Studies: How Real People Raised Their Scores 100+ Points, Payment History Perfection: Never Miss a Payment Again, Credit Card Strategy: Which Cards to Keep, Which to Close, Loans and Installment Accounts: Friend or Foe?, The New Credit Trap: When to Apply and When to Wait, giving the book a concrete learning arc that moves from orientation and confidence-building to applied communication, problem solving, and independent practice. The writing style is direct, supportive, and accessible, making the book suitable for self-study, classroom reinforcement, professional development, or personal improvement. It emphasizes practical understanding over abstract theory, so readers can immediately connect the lessons to conversations, decisions, habits, and challenges they are likely to face outside the page. By the end of the book, readers should have not only a stronger grasp of the subject, but also a collection of repeatable strategies, useful language patterns, mental models, and practical routines they can continue applying after they finish reading.

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About the author

Stephaine Taylor is a certified credit counselor and personal finance educator with over fifteen years of experience helping consumers repair, rebuild, and optimize their credit profiles. She founded ClearScore Advisory, a credit education firm that has guided more than eight thousand clients through structured credit improvement programs, raising their scores by an average of 97 points within ninety days.

After witnessing how opaque credit scoring systems prevented hardworking individuals from accessing fair lending rates, rental housing, and employment opportunities, Taylor developed the step by step 90-day credit fix methodology presented in this book. Her approach focuses on actionable, legally compliant strategies that target the highest weighted factors in the FICO scoring model, enabling rapid and sustainable score improvement.

Taylor holds a Certified Credit Counselor (CCC) designation from the National Association of Certified Credit Counselors and has contributed credit education segments to major media outlets including NPR, Bloomberg QuickTake, and Credit.com. She has also served as a subject matter expert for the Consumer Financial Protection Bureau's financial literacy initiatives.

She lives in Denver, Colorado, where she coaches individual clients, trains other credit professionals, and speaks at financial wellness events for employers, community organizations, and higher education institutions. Her work has been featured in USA Today, Bankrate, and The Simple Dollar. The 90-Day Credit Fix is her first book.

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