The DueSmart Beginner's Credit Guide — for immigrants, first-generation Americans, young adults, and anyone who was never taught how credit, banks, and money actually work. No finance degree, perfect English, or high income required.
LEARN THE RULES · STAGE 1 OF 3
Whether you just arrived in America or grew up here without financial education, the gap is the same — and it's expensive. This course closes it:
APR, statement balance, grace period, utilization — institutions expect you to know words nobody ever taught you. Module 1 starts with the vocabulary.
Deposits, lending, fees, deposit protection — how banks here actually make money and what that means for yours. Learned once, used forever.
Cash, charge, or credit? Which tool, when, and why. Readiness and responsible use come before any application — trust is the whole game.
Five FICO categories decide your number. When you know what they measure, every payment and balance becomes a move you chose on purpose.
A structured alternative to random videos and forum myths — sequenced lessons, checked against CFPB, FDIC, and Federal Reserve sources.
Life, your AI voice instructor, answers every question without judgment — in English, Español, Français, or Português. Nothing is too basic.
Interactive lessons with knowledge checks, calculators, copyable templates, and a saved 30-day roadmap — learn it once, use it for life.
Credit cards, readiness, and responsible use — why lenders extend trust and how you earn more of it.
Deposits, lending, the spread, fees, and deposit protection — the machine behind every account you'll ever open.
Cash flow, equity, debt, and ownership — the four words that explain almost every money decision.
Know the tool before you use it — when each one helps, when each one costs, and how to choose on purpose.
The five FICO categories in plain language — what they measure and which habits move each one.
Good credit lowers costs and widens choices — housing, cars, business, and the doors that open quietly.
Inflation, the Fed, GDP — how the big machine moves, and how to hold your plan steady inside it.
Utilization calculator, score map, and copyable templates — with your progress saved as you go.
Turn learning into action — a saved financial reset plan that tells you what to do next, one informed move at a time.
Tap the microphone and Life answers with a real voice — what the course covers, which pass fits you, and where to start. No sign-up. No pressure. No question too basic.
✔Explains all 7 modules, the tools, and every pass
✔Speaks English, Español, Français, and Português
✔Honest rules: education only — never individualized advice
Voice: EN · ES · FR · PT — written lessons add Kreyòl
The same public prices appear everywhere. Multilingual learning, AI voice coaching, and Founder execution access are included — never an upsell.
The complete Beginner's Credit Guide with Life
Best for starting from zero the right way.
Choose Foundation — $147All courses, all voices, lifetime execution access
Best whole-journey value — learn, repair, grow.
Get Complete — $347Complete access plus human-guided implementation
Best for personal review and accountability.
Choose Guided — $597Languages are included, not an upsell: The written course supports English, Spanish, Haitian Creole, French, and Portuguese. Life speaks English, Spanish, French, and Portuguese; Haitian Creole is currently text only. Existing customers keep their purchased access. Education only — results and approvals are never promised.