I teach people how to better understand, manage, and improve their financial lives through real credit education, consumer rights awareness, and practical resources.
I built Credit Academy because credit education in this country is broken. Most of what you find online is hype, half-truths, or an upsell into a $5,000 service that violates federal law. None of that helps the Cousin who just wants to qualify for her first home, repair her score after a hard year, or stop a collector from harassing her at work.
So I teach the law. I teach the process. I teach the templates. I show what the bureaus actually send back and how to read it. I don't promise miracles. I give you the same playbook I've used to walk hundreds of thousands of people from chaos to clarity.
Board-certified credit educator. FICO-certified consumer advocate. Licensed financial advisor. Almost a decade building this work, all of it grounded in one belief: education is the leverage. The rest follows.
Pick the lane that fits where you are right now.
Begin with the free Credit Bootcamp.
Watch the Bootcamp → Need a toolFind letters, guides, and downloads.
Open Resource Hub → Ready to shopExplore guides, workbooks, and trainings.
Shop learning tools → Want supportChoose community or VIP access.
See support options →A cleaner front door to the tools: free starters, downloadable letters and guides, video learning, and deeper support when you want more structure.
Bootcamp, PDFs, and quick-start tools with no paywall.
Get Free →Downloadable letters, workbooks, and quick guides you can use with more confidence.
Browse →Standalone webinars, long-form lessons, replay access, and full video learning series.
Watch & Learn →Or jump straight to stan.store/ShondaMartin
Live shows, teaching sessions, and the latest from the YouTube channel. Click any video to watch.
Live · 2 hr workshop
Step-by-Step Workshop
Live · The Build vs. The Cleanup
Live · Cousins-Submitted Q&A
The newest article, a fresh video, the Resource Hub, and where the family can meet in person.
FICO 10T. VantageScore 4.0. UltraFICO. Buy Now Pay Later on your report. The rules just shifted. Here's what changed and how to adjust before it costs you the loan.
You don't need a $3,000 service. You don't need to be a lawyer. You need a process. Here's mine, step by step, with the order that actually works.
Four open primary accounts. Two credit cards. One short-term installment. One long-term. Utilization between 1 and 10 percent. Here's why this works and how to build it whether you're starting fresh or rebuilding.
A workshop-style session for the Cousin who wants to understand the process before jumping into letters, disputes, or paid tools.
The teaching is coming off the screen. See confirmed cities, request your city, and watch for new stops as they open.
If you want practical help, deeper learning, and a more structured way to move through your credit process, start with the community or step into Credit Academy for guided VIP support.
A free seat at the table. Watch live shows, browse the education library, and meet the Cousins before going deeper.
No card. No catch. Just show up.
You learn the strategy. The Academy handles the heavy lifting. You stay in the driver's seat. The full membership built for ease and clarity through every step of the dispute process.
Over 210,000 accounts created since 2020.
