Friends don’t let friends have bad credit.
Get your free Debt Cheat Sheet: a plain-English plan for your real credit report. What’s hurting your credit, why, and exactly what to do next. From a real person, not a template.
Most people don’t look at their credit report until they get denied.
Then it’s confusing, it’s overwhelming, and it’s hard to know who to trust. If that’s you, you’re in the right place.
“I got denied, and I don’t know why.”
Your Cheat Sheet shows which accounts on your reports are holding you back, from all 3 bureaus, in plain English.
“There’s a collection I can’t figure out.”
See your options for each account, step by step. For reporting errors, you get the exact wording to dispute them for free.
“I don’t know who to trust.”
It’s free: no card, no subscription, no sales calls. Everything in it, you can do yourself.
In the FTC’s national study, 1 in 4 people found a potentially material error on at least one of their credit reports (FTC, 2012). And the law requires disputed information that can’t be verified to be deleted or corrected (CFPB).
“Understanding your credit gives you the power of decision instead of desperation.”
Brent Rankin, founder
Real people. Real stories.
From people Brent has helped since 2016, in their own words.
“Last year he helped me build my credit and buy my first home when interest rates were still 2%!!”
Couldn’t have found a better guy! Last year he helped me build my credit and buy my first home when interest rates were still 2%!! If you need anyone, definitely reach out to Brent Rankin
“I learned to use my credit wisely and now we own a much bigger house than we would have ever imagined!”
My experience with Cheating Debt was fantastic! I had basic knowledge of credit, but this team really helped me understand the importance of it. They explained and advised how my currents habits would affect me in the long run. A month ago, my husband and I purchased our new home. However; had it not been for Cheating Debt in guiding me the right direction, I would not have been part of the loan process. I learned to use my credit wisely and now we own a much bigger house than we would have ever imagined!
“This company will not leave you astray, but they will guide you to accomplish your goals in a honest manner.”
Working with Cheating Debt has been an amazing experience. Brent was very straightforward in the process. I told him the goals that I was trying to achieve with improving my credit and he gave me sound advice on which direction I should take. My credit scores has been trending up since connecting with Cheating Debt. Just in a month’s time I have cheated debt by eliminating $837.00 worth of debt. I wholeheartedly would recommend you to give Cheating Debt a chance. This company will not leave you astray, but they will guide you to accomplish your goals in a honest manner.
I was referred to Cheating Debt by a co-worker, who after 6 months of services was finally able to purchase a car; not just for herself, but also helped out her brother as a co-signer for him to purchase a car. Hearing her story helped me take a chance and contact Cheating Debt; and I’m glad I did! Thank you Cheating Debt for you’re affordable services these past months . I am extremely excited to begin my journey in purchasing a home now that my credit score is worthy of a loan! Keep serving the community!
Cheating debt helped me turn my credit around! After a few sessions, I could already see improvement! Communicating with them has always been quick and efficient. Highly recommend!
Gerardo’s post is shared with his permission.
These reviews are from people Brent has worked with since 2016, mostly through his one-on-one help before the free Debt Cheat Sheet. What generally happens with a Cheat Sheet: you see what’s on your reports and what you can do about it. Whether your score changes, and by how much, depends on what’s on your reports and how the bureaus and creditors respond. No one can remove accurate information.
Worked with Brent? Leave a Google review
Hi, I’m Brent.
I started Cheating Debt because I thought I had bad credit. I had two collection accounts, and no one could tell me how to take care of them, so I learned it myself. It turns out my credit was never bad. I just didn’t understand it. All I’d been taught was pay your bills on time and don’t use your credit cards.
Understanding my credit young let me buy my first home before I turned 24. I’ve worked as a mortgage loan officer, so I know what lenders look for. Since 2016 I’ve given people free advice and hosted seminars, and the Debt Cheat Sheet is that same advice, written for your reports.
Not everyone needs a credit repair company. Some people just need sound advice. And if you have questions about your Cheat Sheet, I’ll get on a call with you.
Read my storyHere’s how it works
No surprises. This is the whole process, start to finish.
Pull Your Free Reports
Get your reports from all 3 bureaus at annualcreditreport.com, the official free site, and save each one as a PDF. We show you how, step by step.
Upload and Sign Your Free Agreement
Upload your PDFs securely and sign our free service agreement. You have 3 business days to cancel for any reason.
A Real Person Reviews Your Accounts
Once your cancellation window ends, we go through every account affecting your score: collections, charge-offs, late payments and possible errors. A person reviews every Cheat Sheet before it’s sent.
Get Your Debt Cheat Sheet
In about 4 business days from when you sign: your personalized Cheat Sheet with clickable next steps, in your own dashboard, with a guided walkthrough the first time you log in. Everything in it, you can do yourself for free. Questions? Brent will get on a call with you.
See a sample dashboard →You don’t have to figure this out alone.
Your free Debt Cheat Sheet: a plain-English plan for your real accounts, in about 4 business days.
* The Debt Cheat Sheet is free: you pay nothing to Cheating Debt or anyone else, and you don't need to buy or subscribe to anything. Your Cheat Sheet may mention optional products or services, including Dispute on Demand (our own paid dispute service) and partner products for which we may be paid. You can always dispute items on your reports yourself at no cost. We do not guarantee any specific credit outcomes. Results vary based on your individual credit history and how creditors respond.
Where does your score stand?
Scores run from 300 to 850. Here’s what each range usually means, and what tends to help. Your Cheat Sheet shows what’s affecting yours.
Understanding Credit Score Ranges
Educational GuideLimited credit options, high interest rates
• Credit builder loans
• Focus on payment history
Frequently Asked Questions
Straight answers about your free Debt Cheat Sheet
Who is behind Cheating Debt?
Brent Rankin, who has helped people in Fort Worth and across the DFW Metroplex understand and improve their credit since 2016. He has worked as a mortgage loan officer, so he knows what lenders look for. Read his story.
Is the Debt Cheat Sheet really free?
Yes. It costs $0. You don't need a credit card, a subscription or credit monitoring. You pull your own free reports at annualcreditreport.com and upload them to us.
Why is it free?
Because not everyone needs a credit repair company. Some people just need sound advice. Brent has given free advice and hosted free seminars for years, and the Cheat Sheet is that same advice, written for your reports. There's no card, no subscription and nothing to buy. If you'd like more help later, we offer optional paid services and recommend partner tools, and we may earn money if you choose them. Your Cheat Sheet is yours either way.
How long does it take?
Federal and Texas law give you 3 business days to cancel after you sign, and we don't start until that window ends. We aim to deliver your Cheat Sheet the next business day, so in about 4 business days in total.
What's in my Debt Cheat Sheet?
A plain-English breakdown of your actual reports from all three bureaus: which accounts may be inaccurate or worth disputing and why, what to do about each one, step by step (for reporting errors, the exact wording to dispute them for free), what else is affecting your credit (collections, charge-offs, balances, student loans) and your options, in your own interactive dashboard with a guided walkthrough.
Do I need credit monitoring or to buy anything?
No. You don't need to buy or subscribe to anything. Your reports from annualcreditreport.com are free, and so is your Cheat Sheet.
Who sees my reports?
Only Cheating Debt's owner, through a secure sign-in. Your reports are stored privately and encrypted, deleted automatically after 2 years (or right away if you cancel), and never sold. Our credit report privacy notice has the details.
How are my reports reviewed?
With the help of our own software, and a person reviews every Debt Cheat Sheet before it's sent. We also keep redacted copies of reports, with names, account numbers and other identifying details removed, to improve our software. We're not a law firm, and we don't guarantee any specific result.
Can I fix things myself?
Yes. Like mowing your own yard, you can do it all yourself; sometimes people just want a pro. You have the right to dispute anything on your credit report directly with the credit bureaus and the companies that report it, at no cost. For reporting errors, your Cheat Sheet gives you the exact wording to use.
Will you call or text me?
No. We never call or text to sell you anything. For help getting your reports or with your Cheat Sheet, text or call us at 682-263-2458. We email your Cheat Sheet, and if you ask, we text you when it's ready.
More Ways Cheating Debt Helps You Keep More Money
Start with your free Cheat Sheet. When you're ready, these can help too.
Want It Done for You?
Dispute on Demand is our own online dispute service. It's paid and optional: you can always dispute for free yourself.
Build Your Credit
A secured credit card can help you build or rebuild credit. We may earn a commission if you apply.
Lower Your Electric Bill
Send us your last two Texas electric bills and we'll tell you, free, if a better plan fits how you use power. We may earn a commission if you switch.
Free Money Calculators
Build a savings plan or a debt payoff plan in minutes. Free, no sign-up.
Some links go to our own paid services or to partners who may pay us. That never changes your free Cheat Sheet.
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