Every question.
Answered.

NMD (No Money Down) is a free credit intelligence newsletter. Each edition breaks down a real credit event — a bureau policy change, a lender shift, a new scoring model update — and tells you exactly what it means for your file.

No filler. No affiliate spam. Just the intel that actually moves the needle.

Editions drop when there's something worth writing about — which in the current credit climate is multiple times a month. Breaking news gets its own drop. Strategy pieces, scoring model changes, bureau updates — all published as they happen.

You won't get a weekly email just to fill a calendar. Every drop has a reason to exist.

NMD covers the full credit and financial intelligence stack:

• Breaking news — CFPB actions, bureau policy shifts, lender rule changes
• Scoring strategy — FICO, VantageScore, PAYDEX, authorized users, utilization
• Business credit — EIN profiles, Net 30 vendors, business card stacking
• Debt strategy — validation letters, goodwill removals, consolidation timing
• Consumer protection — identity theft, FCRA rights, dispute leverage
• Auto and mortgage — loan strategy, credit pulls, rate negotiation

Yes. 100% free. Always. No paywall. No premium tier. No "subscribe to read the full article."

Gatekeeping credit education is one of the biggest scams in the financial industry. The people who need this information most are the ones who can least afford to pay for it. That's why everything here stays free.

Every edition is published on this site and lives here permanently. You can browse the full archive on the Newsletters page. No login required. Just scroll and read.

NMD offers five free AI-powered tools built in Claude:

• Dispute Letter Generator — Builds FCRA-compliant dispute letters for collections, errors, and unauthorized inquiries
• Score Building Strategy — Analyzes your file situation and gives you a prioritized action plan
• Goodwill Letter Builder — Crafts targeted goodwill removal requests for creditors
• Business Credit Builder — Maps the Net 30 vendor sequence to get your PAYDEX moving
• Lead Pipeline Tool — Finds and works dead leads using AI

All tools are free. No account. No API key. See the full list on the Tools page.

No account. No payment. No API key. The tools run inside Claude — you click, the tool loads, you run it. That's it.

You do need a free Claude account at claude.ai to run the prompts. If you don't have one, it takes 30 seconds to sign up and it costs nothing.

NMD Solutions is a done-for-you AI service. We build and run custom AI employees for your business — handling workflows like lead follow-up, outreach, pipeline management, and content, so you don't have to.

No dashboards. No extra software to learn. We set it up, we run it, your business moves. See the full breakdown on the Solutions page.

FICO is used by most lenders — mortgage, auto, and major credit cards almost always pull FICO. It weighs your payment history and amounts owed most heavily.

VantageScore is what most free credit monitoring apps (Credit Karma, Experian app) show you. It scores differently — some borrowers score 10–15 points higher, others get penalized. It's not the score most lenders pull.

Yes — and more people should be doing it. 1 in 5 credit reports has an error significant enough to affect approval decisions. The FCRA gives you the right to dispute inaccurate, unverifiable, or incomplete information on your report.

The bureau has 30 days to investigate. If they can't verify the item, it has to come off. Collections, wrong balances, accounts that aren't yours — all removable through the dispute process when done correctly.

Use the free NMD dispute tool to generate the right letter for your situation.

Depends on where you're starting. Realistic timelines:

• Authorized user strategy — score movement in 30–45 days when added to the right account
• Secured card + utilization management — meaningful score gains in 60–90 days
• Dispute removals — collections removed in 30 days when the letter is right
• Business credit (PAYDEX 80) — buildable in 90 days with the right Net 30 vendors

There is no overnight fix for a thin file. But the right moves compound fast.

PAYDEX is Dun & Bradstreet's business credit score — scored 0 to 100, where 80 means you pay on time and 100 means you pay early. Most lenders and vendors check it before extending business credit.

If you own a business and want to access credit lines, vendor accounts, or financing under your EIN (separate from your personal SSN), you need a PAYDEX. Without it, you don't exist in the business credit world.

Read the full breakdown: PAYDEX 80 Blueprint →

No. Checking your own credit is a soft inquiry — it has zero impact on your score. You can check it every day if you want.

Hard inquiries (when a lender pulls your credit to approve you for something) do affect your score, typically costing 2–5 points and staying on your report for 2 years. Unauthorized hard inquiries can be disputed and removed.

Scroll to the bottom of any page on this site and enter your email. That's it. No account creation. No phone number. No verification loop. You're in.

The next edition drops to your inbox automatically.

No and no. You get the NMD newsletter when a new edition drops. That's the only thing sent to this list.

Your email is never sold, shared, or used for anything other than delivering the newsletter. No partner offers. No third-party promos. Just NMD drops.

Every email has an unsubscribe link at the bottom. Click it and you're off the list immediately. No re-confirmation required. No "are you sure?" loop.

Two most common reasons:

• Check spam / promotions — Gmail often routes newsletters to the Promotions tab. Move the email to Primary and it'll land there going forward.
• No edition has dropped yet — Editions go out when there's something worth writing. If you just subscribed, the next drop will hit when it publishes.

If you're still not receiving anything after a published edition, drop a message in the Telegram group and we'll sort it.

The Telegram group is where the real-time credit moves happen. Daily drops, strategy breakdowns, member wins, live Q&A, and early access to tools and editions before they go live on the site.

It's also where you can ask questions and get answers from people who are actually doing the work — not just reading about it.

Click the Telegram link in the nav above, or go directly to t.me/+xgDhtpOrWeJkNmUx. You'll need the free Telegram app if you don't already have it.

The group is free to join. Always will be.

NMD ZAZA — The Credit Goat — is a credit strategist who built NMD to put real financial intelligence in front of people who need it, for free.

The full story is on the About page. Short version: someone cracked the credit code, was tired of watching the system lock people out, and decided to give the playbook away.

Two products. Both are full build systems, not information products:

• AI Employee Blueprint — A complete system for building your own branded AI employees using Claude. No code required. For coaches, consultants, and business owners who want to offer AI-powered employees under their brand.
• Vibe Build with NMD — The full AI operation playbook. How to build a content engine, newsletter system, lead pipeline, and video campaigns — all AI-powered, all running while you're not working.

Details on the Solutions page and AI Companies page.

Never. The credit knowledge, the newsletter, the AI tools, the strategy breakdowns — all free. Always.

The paid products are about building income and systems. They're for people who are ready to go from learning the game to building a business around it. That's a different thing than learning how to dispute a collection or build a PAYDEX score.

The NMD Build products are available on Gumroad. You can find links on the AI Companies page and Get Started page.