Fix your credit.
Get funded.
Step by step.
Denied for a car, an apartment, or a business loan? This is the exact 10-step roadmap I use with my clients, written in plain English so you can start today.
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- How lenders grade you, and what to fix first
- How to dispute errors the right way
- Business credit, 0% funding and which banks to apply with
You're doing the work.
Your credit isn't showing it.
"Unfortunately, we're unable to approve you…"
You applied for the car, the apartment, or the card and got turned down again, with no clear reason.
Old mistakes still follow you
Late payments, collections and errors you don't even recognize keep dragging your score down.
You want business money
You've heard about 0% business funding but don't know where to start, which banks to use, or what you need.
10 steps. Each one tells you
exactly what to do.
Every chapter has real examples with numbers, a "Common Mistakes" box, and a checklist so you always know your next move.
Remove Negative Items
Pull all 3 reports, spot errors, and dispute them the right way.
Build Good Credit
The 5 score factors, the utilization trick, and the best builder tools.
Know Your Funding Types
Loans, lines of credit, SBA, 0% cards, MCAs, and a side-by-side comparison.
Find the Best Banks
Big banks vs. credit unions vs. online lenders, and how to pre-qualify first.
Build Lender Relationships
How to get a banker in your corner before you ever apply.
Build Business Credit
LLC, EIN, D-U-N-S, PAYDEX, and starter vendor accounts.
Know Which Bureau Banks Pull
Apply where your strongest report gets seen, and protect your inquiries.
Get Funding-Ready
The checklist and documents lenders want to see before you apply.
Know What Help Should Cost
Fair fees vs. red flags, so you never get scammed.
After the Money Lands
Repayment, the 0% deadline, and setting up your next round.
Credit Dispute Letter Templates
10 fill-in-the-blank letters: bureau disputes, debt validation, goodwill, unauthorized inquiries, identity theft, pay-for-delete and more. Includes the bureau mailing addresses and a dispute tracker. Just check the box on the order form.
This is what the steps look like in real life.
Results from Transfer of Wealth clients, shared with permission. Personal details hidden. Everyone's situation is different, and results are not typical or guaranteed.
Hi, I'm Nehemiah Boone.
I'm the founder of Transfer of Wealth. Every day my team helps people clean up their credit reports and helps business owners get approved for funding.
I wrote this book because most people never get taught how credit actually works. Banks don't explain it and school doesn't either. So I put the same steps I walk my clients through into one simple guide you can follow on your own.
Start with the book →Made for people who are ready to move.
This is for you if…
- You've been denied and want to know why
- You have late payments, collections or errors on your report
- You want to buy a home or a car, or start a business
- You want business credit and funding but don't know where to start
- You like doing things yourself with a clear plan
This is NOT for you if…
- You want a "secret trick" that deletes everything overnight
- You won't take 20 minutes a day to follow the steps
- You're looking for someone to promise you a certain score
7-day money-back guarantee
Read the book. If you don't feel it was worth way more than $27, email us within 7 days of your purchase and we'll refund you. No hard feelings.
Good questions.
How do I get the book?
Right after you pay, you'll land on a download page, and we'll also email you the link. It's a PDF that works on any phone, tablet or computer.
Is this different from the free guide?
Yes. The free guide is a short overview. The Expanded Edition is the full step-by-step version, with examples, checklists, a funding comparison table and a 90-day plan.
Do I need good credit to use it?
No. Chapters 1 and 2 are written for people starting with low or damaged credit. Chapters 3 to 10 help you get ready for funding once your profile is stronger.
Will this raise my score?
The book teaches the same steps my clients follow, but nobody can honestly promise a specific score or approval. Your results depend on what's on your report and how consistently you follow the steps.
What if it's not for me?
You're covered by our 7-day money-back guarantee. Just reply to your order email within 7 days of purchase and ask for a refund.
What if I want you to do it for me?
After you get the book, you can book a free consultation with my team for credit repair or business funding.
Your credit can change.
Start tonight.
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