Good credit changes everything

Your credit report, read line by line. Your comeback, planned.

Upload your Equifax, Experian and TransUnion reports. Keeci's Analyzer flags every negative item, every cross-bureau mismatch and every item past its reporting date, then builds a 120-day action plan using the consumer laws written to protect you.

3bureaus compared side by side
120day action plan
1:1review with a credit specialist
Cover of Keeci's AI Credit & Wealth Planner by Keeci Brandy
5.0 on Amazon

Florida Classic weekend
Networking in Noir: Classic Eve Fête · Fri, Nov 20 · 7–11 PM · The Vault at Citrus Club, Orlando

How it works

From three reports to one plan

1

Pick your plan

Register with your email. Your plan and email create your private Client ID.

2

Upload 3 reports

Download free PDFs from AnnualCreditReport.com and drop in all three.

3

Get your assessment

An overall Credit Health grade, every negative item, and where the bureaus disagree.

4

Work the plan

Track every dispute, response and score change with your Client ID.

What the Analyzer reads

It scores what the scoring models score

Your plan is weighted the way a commonly used FICO model weighs your report, so the first moves are the ones that count most. Payment history and utilization together drive about two-thirds of the result.

Payment history
35%
Amounts owed / utilization
30%
Length of history
15%
New credit
10%
Credit mix
10%
Plans

Choose how much help you want

Every plan includes the 3-bureau Analyzer, your action plan and your progress tracker. Cancel anytime.

Foundation

You do the work, with Keeci's system.

$49 / month
  • 3-bureau AI analysis and Credit Health grade
  • 120-day action plan
  • Ready-to-send letter kit: disputes, validation, goodwill
  • Dispute log and score tracker
  • Monthly re-analysis
Client ID prefix KCW-FND

Rebuild

We prepare and send the letters for you.

$99 / month
  • Everything in Foundation
  • We draft and mail bureau disputes, up to 15 items per round
  • Debt validation and method-of-verification requests
  • Goodwill and pay-for-delete negotiation letters
  • Monthly progress report by email
Client ID prefix KCW-RBD
Most complete

Elite

A specialist in your corner.

$149 / month
  • Everything in Rebuild, unlimited items
  • 30-minute 1:1 credit review with a Keeci specialist
  • Direct furnisher disputes and CFPB escalations
  • Creditor negotiation and rapid-rescore coordination for home buyers
  • Quarterly strategy call and FCRA attorney referral when violations are found
Client ID prefix KCW-ELT

Billed monthly only after that month's work is completed, as the federal Credit Repair Organizations Act requires. You may cancel your contract without penalty within 3 business days of signing. You have the right to dispute inaccurate information on your credit report yourself at no cost.

Where we serve

States we're accepting clients in

Credit repair rules are set state by state, and your state's rules apply to your account. We're opening states as we complete each one's bond and registration. The book, events and waitlist are open everywhere.

Accepting clientsComing soon (bond or registration required)Not offered under state lawUnder review
Aggressive, and always legal

The laws your plan is built on

FCRA §611Bureau disputesBureaus must investigate a dispute, usually within 30 days, and correct or delete what can't be verified.
FCRA §611(a)(7)Method of verificationAfter a "verified" result, you can ask how the item was verified and who confirmed it.
FCRA §623Direct furnisher disputesThe lender or collector that reported the item has its own duty to investigate.
FCRA §605Reporting time limitsMost negative items must come off 7 years after the original delinquency.
FDCPA §809Debt validationCollectors must validate a debt you dispute in writing within 30 days of their notice before continuing collection.
FCRA §605BIdentity theft blockGenuine identity theft items can be blocked with an FTC report.

What we will never do

  • Dispute accurate items as "not mine." False disputes can backfire and are illegal.
  • Sell CPNs or "new credit identities." Using one is federal fraud.
  • File fake identity-theft reports.
  • Promise a score or guaranteed deletions.
  • Charge before the work is done.
Keeci Brandy
Meet Keeci

"Your word and your credit. Protect both."

Keeci rebuilt her credit twice, once in her twenties and again after a divorce, by negotiating with creditors, writing honest letters and paying on time. She wrote Keeci's AI Credit & Wealth Planner so you can do the same, and built this site for when you want help doing it.

Cover of Keeci's AI Credit & Wealth Planner
Let me help you help yourself

Keeci's AI Credit & Wealth Planner

A practical credit, money and wealth-building workbook. Ten parts, from your first credit report review to a 90-day reset, with AI prompts that help you organize and plan without inventing facts.

Paperback · 6 × 9 in 98 pages Worksheets and trackers 11 ready-to-use AI prompts

★★★★★ 5.0 on Amazon

Buy the book

Two ways to get your copy

On Amazon

Paperback printed and shipped by Amazon. Prime shipping where available.

  • Fastest delivery
  • Leave a review to help other readers find it

Direct from Keeci

Order here and support Keeci directly.

Quantity
1
Subtotal

Secure card payment connects here in the live site.

Inside the workbook

Ten parts, one system

It opens with Keeci's credit lessons: disputes done right, statement closing dates, the 0% APR strategy and her own explanation letter. Then you work through the parts.

1
Your Money & Credit Starting PointSnapshot, income, expenses, goals, money mindset
2
Credit Profile & Credit ReportsReport review checklist, account inventory, dispute tracker
3
Debt Payoff & Payment PlanningAvalanche vs. snowball, payoff milestones, emergency fund
4
Budgeting & Cash-Flow PlanningZero-based budget, weekly check-ins, leak finder
5
Credit-Building Action Plans30, 60 and 90-day credit resets, goal tracker
6
AI Credit & Wealth Prompt LibraryReport organizer, payoff scenarios, budget builder and more
7
Savings, Investing & Wealth GoalsSinking funds, retirement tracker, net worth
8
Monthly Reviews & AccountabilityWins, lessons, next actions, check-ins
9
90-Day Credit & Wealth ResetWeek-by-week plan and scorecard
10
Notes, Wins & Next StepsFinancial rules, important dates, your one-year vision
From the book

The Keeci AI Wealth Formula

AI is not here to do the work for you. It is here to help you work smarter.

1. Ask

Give AI clear context and a specific goal.

2. Create

Turn ideas into plans, drafts, products or systems.

3. Execute

Take real-world action. An AI idea is not a result.

4. Build

Repeat what works and build skills, income and assets.

Portrait of Keeci Brandy
Meet the author

Keeci Brandy

Author · Credit educator · Founder, Keeci Credit & Wealth

Keeci has rebuilt her own credit from the ground up, twice. Today she has exemplary credit and teaches others the same system: understand it, document it, protect it, and use it to build wealth.

Her story

Credit she worked hard to build, and rebuilt

As a child, Keeci heard her father talk about how important good credit was. His words stayed with her.

In her mid-twenties her credit struggled, and she was embarrassed. So she fixed it. She negotiated with creditors, set up payment arrangements and rebuilt her credit.

Then came marriage, and divorce. Circumstances outside her control damaged the credit she had worked so hard to build. She vowed never to let anyone have access to ruin it again.

She read books, attended seminars, paid every bill on time and wrote honest letters explaining her situation. Creditors started to work with her. Little by little, she rebuilt.

She created the planner she wished she'd had when she started, and now brings AI into credit education so people can organize, learn, plan and take action for themselves.

Childhood
Her father's lesson

Good credit matters. Protect it.

Mid-20s
First rebuild

Negotiated with creditors and made payment arrangements.

After divorce
Second rebuild

Explanation letters, on-time payments, steady progress.

Today
Exemplary credit

Author of Keeci's AI Credit & Wealth Planner, helping others do the same.

"The only thing you have in this world is your word and your credit. Protect both."

Keeci's daddy
The Keeci approach

Five rules she lives by

1Understand before you act.
2Document before you dispute or communicate.
3Use accurate information. Never invent facts.
4Build habits you can maintain.
5Use AI to organize and learn, not to replace your judgment.
Networking in Noir: Classic Eve Fête flyer. Friday, November 20, 2026, 7 to 11 PM, The Vault at Citrus Club, 255 S Orange Ave, Orlando. Early bird $125, general admission $150.

Keeci Nooks Networks presents

Networking in Noir

Classic Eve Fête

Professionals · Culture · Connections · Opportunities

An all-black networking affair on the eve of the Florida Classic. Rep your school, rep your team, and spend the night with Orlando's professionals, entrepreneurs and veterans.

WhenFriday, Nov 20, 20267:00 – 11:00 PM
WhereThe Vault at Citrus Club255 S Orange Ave, Orlando, FL 32801
AttireAll black with a pop of colorRep your school or your team
Powered byFairway VetsVeteran owned · Community driven
Get directions
Tickets

Reserve your seat

Every ticket includes dinner, one glass of wine and the full evening of networking. Payment options open soon. Join the guest list below to get the link first.

General Admission

Begins Nov 1, 2026
$150 per person

On sale November 1, 2026, or once Early Bird sells out.

The evening

Business, culture, connections

HBCU pride

Classic weekend energy. Wear your school colors as your pop of color.

Greek life

Divine Nine and Greek organizations welcome. Rep your letters.

Networking opportunities

Meet professionals, entrepreneurs and veterans. Bring business cards.

Dinner included

A seated dinner is part of every ticket.

One glass of wine

Included with your ticket. Guests must be 21 or older to be served.

Open bar

Hosted by Keeci Nooks Networks.

Florida Classic weekend

Start the weekend in Noir

The Florida Classic brings Bethune-Cookman and FAMU fans to Orlando. Open the weekend Friday night, then catch the game Saturday.

Fri · 7:00 PMDoors open

Networking in Noir at The Vault, Citrus Club

Fri · 11:00 PMLast call

Leave with new connections

Sat · 3:30 PMFlorida Classic kickoff

Bethune-Cookman vs. FAMU at Camping World Stadium

Join the guest list

Limited capacity

Payment options open soon. Add your details and we'll send you the ticket link first, plus reminders and introductions.

Stay in the know

Networking in Noir is the first of many. Get first access to new events, workshops and book signings.

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Upcoming events

On the calendar

Nov20Fri
Networking in Noir: Classic Eve Fête

The Vault at Citrus Club, Orlando · 7–11 PM · All black with a pop of color

NextTBA
Next Keeci Nooks Networks event

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Client portal

Credit Analyzer

Register, upload all three bureau reports, and get your assessment and action plan. Your PDFs are read inside your browser and are not uploaded to a server in this preview.

1Your account

Your Client ID Enter your email Built from your email and plan. Use it to open My Progress.

2Upload your three reports

Get free reports at AnnualCreditReport.com
Free annual reports usually don't show scores. Type yours in if you have them.
Client portal

My Progress

Open your file with your Client ID. Every dispute, bureau response and score update lives here.