Everything the credit card companies hope you never figure out — written by someone who learned it the hard way.
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Trevor Heaney
I had a foreclosure at 25, three debt settlements, and a destroyed credit score. Rebuilt it to 800+ using the exact system in this guide. I built PowerPay because I couldn't find a tool that made daily balance monitoring automatic. This guide is everything I wish someone had handed me at 22.
Ready to put the system on autopilot?
PowerPay monitors your credit card balances daily and alerts you before your statement closes — so you always know exactly what to pay to report zero to the bureaus.