Before You Read This Playbook

This playbook teaches one specific strategy.

FCFM (Fix - Consolidate - Fund - Move) is a process for relocating personal credit card debt off your personal credit report and onto business credit. Legally. Strategically. Without paying off the debt first. The debt does not disappear. You still owe it. But it stops reporting to your personal credit file, stops tanking your score, and sits at 0% interest on business cards instead of 18-29% APR on personal ones.

This is not the only strategy available to you. Depending on your situation -- your credit score, your debt load, your income, your business revenue -- there may be better starting points. Debt settlement, revenue-based financing, SBA products, or simply optimizing your profile for direct business funding without the consolidation step. FCFM is the most powerful tool for people who have high-utilization personal credit card debt that is killing their score.

The right strategy depends on your full picture. This playbook gives you the FCFM framework so you understand what is possible. A strategy call tells you what is optimal for you specifically.

The Optimal Credit Profile for Funding

Debt can be moved OFF your personal credit report without paying it. It is still your debt -- it just stops impacting your credit report. Before you start acquiring the business funding that makes FCFM work, your credit profile should look something like this for optimal results:

IMPORTANT: This is the optimal profile, not a hard requirement. You can still execute FCFM with scores in the 680-720 range, with fewer accounts, or with shorter history. The closer you are to these benchmarks, the more funding you will secure and the better the terms. This is not a deal breaker -- it is a results multiplier.

Step 1: Fix

Fix your credit report first. Remove every negative mark except utilization. We handle utilization differently in Step 2. Right now, focus exclusively on charge-offs, collections, late payments, and public records.

What Counts as a Negative Mark

• Late payments (30, 60, 90, 120+ days)
• Collections (medical, utility, credit card, personal loan)
• Charge-offs (open or closed)
• Public records (bankruptcies, judgments, tax liens)
• Repossessions
• Settled accounts reporting as "settled for less than full balance"

CRITICAL: Do NOT worry about utilization right now. Even if your cards are maxed to the ceiling, leave them alone. The entire point of FCFM is to handle utilization through consolidation, not through paying balances down. Fix the derogatories. Leave the balances exactly where they are.

How to Remove Negative Marks

Option 1: Dispute Inaccurate Items

1. Pull your 3-bureau credit reports from AnnualCreditReport.com.
2. Review every negative item. Look for inaccuracies: wrong dates, wrong balances, wrong account numbers, accounts that are not yours, items past the 7-year reporting window.
3. File disputes directly with each bureau (TransUnion, Experian, Equifax) online or via certified mail. Be specific about what is inaccurate.
4. Bureaus have 30 days to investigate. If they cannot verify the item, they must remove it.

Option 2: Negotiate Pay-for-Delete

1. Contact the creditor or collection agency. Offer a lump-sum payment in exchange for complete removal from your credit report.
2. Start at 30-50% of the balance. They expect negotiation.
3. Get the agreement in writing BEFORE you send any money. Email or certified mail. Verbal agreements are worthless.
4. After payment, monitor your reports for 60 days. If the deletion does not appear, dispute with the bureaus using your written agreement.

Option 3: Goodwill Letters for Late Payments

If you have a single late payment on an otherwise clean account, call the creditor and request a goodwill removal. Emphasize your payment history, loyalty, and any circumstances that caused the late payment. This works far more often than people expect, especially on long-standing accounts with strong payment history.

Expected Timeline: 30-60 days for dispute resolution. Settlement negotiations can take 2-4 weeks. Plan for 4-8 weeks total to clean your report of negative marks.

Establish Your Business Foundation

Before you can acquire business credit cards in Step 3, you need a business entity on paper. This does not need to be complicated. It does not need to be a "real" business generating revenue. You just need the structure in place so lenders have something to underwrite against.

REALITY CHECK: This is a 1-3 day setup. Total cost: $50-$300 depending on your state's LLC filing fee. The EIN is free. Google Voice is free. This is not a barrier -- it is paperwork. Get it done.

What You Need Before Applying

• LLC filed with state Secretary of State (active status)
• EIN from IRS
• Business bank account (open, with some activity)
• Business phone number (listed)
• Business address (not a PO Box for most issuers -- home address is fine)

Step 2: Consolidate

Move your credit card debt off your revolving accounts and into an installment loan. This single move changes your utilization from 80%+ to 0% overnight. Without paying a single dollar of the debt off.

Why This Works

Credit scoring models treat revolving debt and installment debt completely differently. A credit card (revolving account) at 80% utilization destroys your score. A personal loan (installment account) for the exact same dollar amount barely moves the needle. Same debt. Different account type. Completely different scoring impact.

By consolidating your credit card balances into any installment loan, you are not reducing your total debt. You are reclassifying it. Your revolving utilization drops to 0%. Your score jumps 50-150+ points. And suddenly you are fundable for business credit.

How to Execute

1. Calculate your total revolving credit card debt across all personal cards.
2. Apply for a personal installment loan for that total amount. Options: personal loans from banks or credit unions, peer-to-peer lending (LendingClub, Prosper, Upstart), debt consolidation loans, or even a loan from a family member.
3. Do not stress about the interest rate or terms on this loan. It is temporary -- a holding vehicle for the debt while you execute Steps 3 and 4. It only needs to survive 60-90 days.
4. Use the loan funds to pay off every personal credit card balance to $0.
5. Trigger an immediate score update: call your card issuers and request an off-cycle credit report update (they report the $0 balance to the bureaus immediately), OR wait for your next statement cycle to close and the $0 to report automatically.

Expected Impact: +50-150 credit score points within one reporting cycle (30 days). You are now in the funding zone.

Bridge Loans as a Last Resort

If you cannot qualify for a traditional personal loan due to your current credit situation, bridge loans are an option. We use these for clients when the situation calls for it, typically as a last resort. They are short-term, higher-cost loans designed specifically to bridge the gap between where you are and where you need to be. The cost is justified because the business funding you acquire in Step 3 more than covers it.

KEY INSIGHT: Do not overthink the consolidation loan. Any installment loan works. The terms do not matter because this loan is about to be paid off in Step 4. It is a tool, not a destination. Get the loan. Kill the utilization. Move on.

Step 3: Fund

Acquire business credit cards at 0% APR. Your credit is clean (Step 1), your utilization is 0% (Step 2), your business entity exists. You are now in the best possible position to get approved for maximum limits at 0% interest.

What You Are Applying For

0% APR business credit cards with 12-15 month introductory periods. Business card limits are typically 2-5x higher than personal cards because they are underwritten against business potential, not just personal income. With a 720+ score and 0% utilization, you are a premium applicant.

The Card Lineup

Application Strategy

Cadence: 2-3 applications per week. 4-6 cards total. All within a 14-day window.

Order: Chase first (5/24 rule), Amex second, Capital One third, remaining issuers based on pre-qualification.

Target: $50,000-$150,000+ in total 0% APR business credit.

Critical for FCFM: Cards That Do NOT Report to Personal Bureaus

The entire point of FCFM is to get debt off your personal credit report. If you use a business card that reports balances to personal bureaus, you defeat the purpose. Prioritize cards from issuers that keep business and personal reporting separate.

FOR FCFM: Prioritize the left column. Capital One pulls all 3 bureaus AND reports business balances to personal credit -- so while the approval is useful, be aware that balances on Capital One business cards will show on your personal report.

Inquiries Are Not a Problem

Yes, you will accumulate hard inquiries from these applications. That is expected and fine. Inquiries have the smallest scoring impact of any factor (5-10 points each), they stop affecting your score after 6 months, and they fall off at 24 months. Inquiries can also be disputed and removed. Do not let inquiry fear stop you from executing.

Step 4: Move

This is where it all comes together.

Pay off the installment loan from Step 2 using the business credit you acquired in Step 3. Liquidate the business credit first if needed (balance transfers, cash advances at 0%, or funding deployment strategies), then use those funds to eliminate the consolidation loan entirely.

What Just Happened

1. You had $30,000+ in personal credit card debt at 18-29% APR, crushing your score.
2. You consolidated it into a temporary installment loan, dropping utilization to 0% and spiking your score to 720+.
3. You used that clean score to acquire $50,000-$150,000 in 0% APR business credit.
4. You paid off the installment loan with the business credit funds.
5. Your personal credit report now shows: $0 revolving debt. $0 installment debt. Clean profile. 720+ score.
6. Your business credit now carries the debt at 0% APR, invisible to your personal credit file.

LET THIS SINK IN: The total amount of debt did not change by a single dollar. You still owe the same amount. But that debt went from an 18-29% APR personal liability that tanks your score every month to a 0% APR business liability that is invisible to your personal credit file. Same debt. Completely different financial reality.

And It Is Repeatable

When the 0% introductory period expires (typically 12-15 months), you execute the same cycle. Apply for new 0% business cards. Balance transfer the existing balances. Reset the clock. Maintain this as long as your personal credit stays clean and you continue qualifying for new business credit.

While the debt sits at 0%, you are no longer paying $400-$700+/month in interest. That freed-up cash flow can be used to actually pay down the principal, invest in your business, or build additional income streams. FCFM does not just relocate debt -- it gives you the breathing room to actually escape it.

FCFM Master Timeline

If your credit is already clean (no negative marks to fix), you can compress FCFM to 4-6 weeks. The Fix phase is what takes the longest for most people.

Want to Learn the Money Broker Business?

EARN WHILE YOU LEARN.

Everything in this playbook -- the credit repair frameworks, the consolidation mechanics, the business credit acquisition strategy, the FCFM process itself -- this is a skill set. And it is one of the most valuable skill sets in financial services right now.

People are drowning in personal credit card debt at 25% interest. Most of them have no idea a process like FCFM even exists. The ones who figure it out alone waste months and leave tens of thousands on the table. The ones who hire someone who knows what they are doing transform their entire financial position in 90 days.

That someone could be you.

Introducing Money Broker Partners

The fastest growing funding community, built for people who want to master credit optimization and business funding - and get paid doing it.

The Math

Average funded client generates $2,000-$5,000+ in broker commissions. Fund 5 clients a month and you are earning $10,000-$25,000+/month. You do not need to be an expert on day one. You need to be in the room where experts are teaching you in real time.

That room is Money Broker Partners. And it costs you nothing to walk in.