How long does credit repair take?

Most clients see initial bureau responses within 30–45 days of mailing certified dispute letters. Full removal of negative items can take 3–6 months depending on the number of accounts and bureau cooperation. Results vary per individual.

Are tradelines legal?

Yes. Becoming an authorized user on someone else's credit card is a legal and widely used credit-building strategy recognized by FICO and the credit bureaus. The practice has been legal since the Equal Credit Opportunity Act of 1974.

What credit score do I need to qualify for business funding?

Requirements vary by product. Some revenue-based and merchant cash advance products start at 550+. SBA loans and traditional credit lines typically require 680+. Our AI funding matcher identifies the best products for your current profile.

How do I dispute items on my credit report?

Under the FCRA (15 U.S.C. §1681i), you have the right to dispute inaccurate or unverifiable information. Send certified dispute letters to Equifax, Experian, and TransUnion. Bureaus must investigate within 30 days and delete items they cannot verify.

What is a Section 605B block?

Under 15 U.S.C. §1681c-2, credit bureaus must block information resulting from identity theft within 4 business days of receiving an identity theft report. This applies to fraudulent accounts, collections, and unauthorized inquiries.

Can I get funding with bad credit?

Yes. Certain funding products — including merchant cash advances, invoice factoring, and revenue-based loans — prioritize business revenue over credit score. Our platform matches you with lenders based on your full financial profile.

Confidential Investment Proposal

Accelerating the Future of
Financial Empowerment

A Strategic Growth Partnership Proposal Prepared Exclusively For IdentityIQ (IDIQ) Executive Leadership

Prepared By

Malcom J. Watkins

Co-Chief Executive Officer

Prepared By

Drumma Boy

Co-Chief Executive Officer

Prepared By

Isaiah Davis

Head of Marketing & Sales

Prepared By

Gregory Pace

Head of Technology

700 Enterprises LLC

FixItForADollar.com

Version 2.0 • 2026

01Executive Summary

02Company Story

03Market Opportunity

04Products & Services

05Business Model

06Competitive Advantages

07Traction & Milestones

08Financials & Funding Request

09Growth Roadmap

10Leadership Team

11Investor FAQs

01 // Executive Summary

The Opportunity

FixItForADollar respectfully requests consideration of a $250,000 marketing advance against 6,250 future IdentityIQ enrollments over the next 24 months, alongside a dedicated API link to offer our users a $1 one-week trial that includes true FICO® scores.

Unlike traditional financing, this proposal represents an opportunity to accelerate customer acquisition through a technology platform that has already proven its ability to generate IdentityIQ memberships at scale. Providing true FICO® scores works synergistically with our AI scanners, drastically raising funding approval ratings for our users.

We have evolved from a standard lead-generation entity into a highly automated, AI-driven financial ecosystem. By securing this marketing advance and integrating direct FICO® score access, along with rental and utility reporting via your API, we will aggressively deploy capital into multi-channel digital acquisition, resulting in unparalleled IDIQ user demand, retention, and LTV.

The Ask

$250,000

The Guarantee

6,250 IDIQ Users

Core Objective

Increase IdentityIQ enrollments while drastically improving long-term customer retention through proprietary technology, personalized credit education, and strategic marketing integrations.

02 // Company Story

From Education to Ecosystem

How we evolved to solve the credit crisis at scale.

The Foundation

FixItForADollar began as a grassroots consumer credit education platform. We recognized that millions of Americans lacked access to basic financial literacy and the tools needed to repair their credit profiles. By partnering with IdentityIQ early on, we provided a gateway for consumers to monitor their progress.

The Evolution

Rather than remaining a static lead-generation company, we invested heavily in technology. The newly developed FixItForADollar platform expands our capabilities through AI-powered credit analysis (CreditFAX™), automated dispute engines, and funding marketplaces—all designed to keep users engaged and subscribed to their IDIQ monitoring plans.

03 // Market Opportunity

A Massive Addressable Market

TAM (Total Addressable)

108M+

Americans with subprime credit or thin credit files needing intervention.

SAM (Serviceable)

45M+

Actively seeking credit repair, monitoring, or financial education online.

SOM (Obtainable)

2.5M+

Our direct target demographic reachable through our proprietary influencer and ad networks.

04 // Products & Services

The FixItForADollar Ecosystem

CreditFAX™ AI Scanner

Instantly audits IDIQ credit reports—now enhanced by true FICO® scores from our requested $1 trial API integration—for Metro 2® compliance violations and peak fundability.

Automated Dispute Generator

Drafts hyper-accurate, legally sound dispute letters automatically utilizing data directly from the user's IDIQ report.

Tradeline & Funding Marketplace

Matches users with primary and AU tradelines, business funding, and personal loans based on their real-time credit profile.

Educational Academy

Premium courses, DIY roadmaps, and community Q&A that keep users engaged and motivated to maintain their IDIQ subscription.

05 // Business Model

Synergistic Revenue Generation

How We Monetize

IDIQ FICO® Trial Partnership
Leveraging a $1 one-week trial link with true FICO® scores to maximize upfront conversion, approval odds, and long-term retention.
Premium AI Tools
Access fees for advanced AI scanning, powered by accurate FICO® data to maximize funding success.
DIY Education & Roadmaps
Do-it-yourself educational roadmaps and guides that drive retention as users journey toward their target Blue Ring Score.
API Utility & Rental Reporting
Sales generated through the seamless integration of the IDIQ API for utility and rental reporting services, further thickening client profiles.

The Flywheel Effect

By funneling users through a highly engaging low-cost front end (The $1 IDIQ FICO® Trial Report), we acquire customers at a fraction of industry standard CAC. Our automated ecosystem—enhanced by true FICO® scores and rental/utility reporting—drives unprecedented retention by legitimately raising client approval ratings.

06 // Competitive Advantages

Why We Win

Feature	FixItForADollar	Traditional CROs
Report Analysis	Instant AI Metro 2® Scan	Manual (Hours/Days)
Dispute Creation	Automated, Legally Sound	Template Copy/Paste
User Engagement	Interactive Dashboard & Roadmaps	Passive Email Updates
Scalability	Infinite (SaaS Model)	Limited by Headcount
IDIQ Retention	High (Required for continuous scanning)	Low (Drop off after 3 months)

07 // Traction & Milestones

Proven Execution

8,500+

Active Platform Users

12,400+

AI Scans Performed

350+

Affiliate Partners

Grammy Tier

Celebrity Endorsements

Strategic Partnership: Drumma Boy

Grammy Award-winning producer Drumma Boy serves as Co-CEO, providing massive organic reach, cultural authority, and direct access to high-net-worth networks, amplifying our customer acquisition engine far beyond standard paid media.

08 // Financials & Funding Request

Investment Allocation

How the $250,000 marketing advance translates directly into 6,250 IDIQ enrollments.

Digital Advertising (Meta, Google, TikTok)$100,000

Influencer & Celebrity Placements$62,500

Radio & Podcast Sponsorships$37,500

Affiliate Network Expansion$25,000

Creative Production & Optimization$25,000

The Math Behind The Guarantee

Our historical Customer Acquisition Cost (CAC) through optimized funnels sits below $40 per enrollment.

Advance Amount: $250,000

Target Blended CAC: $40.00

Target Enrollments: 6,250

This structure acts as a risk-mitigated growth catalyst. IdentityIQ secures high-LTV users driven by our tech platform, and we secure the capital necessary to scale our proven acquisition channels nationally.

09 // Growth Roadmap

The 12-Month Execution Plan

Months 1-3

Infrastructure & API Sync

Complete seamless API integration with IdentityIQ, securing the $1 one-week FICO® score trial link and utility/rental reporting syncs. Launch enhanced CreditFAX™ dashboard. Deploy initial ad budget tests.

Months 4-6

National Campaign Rollout

Scale performing ad channels. Launch Drumma Boy co-branded marketing assets. Activate B2B affiliate program for Auto Dealers and Realtors.

Months 7-9

Ecosystem Expansion

Introduce business funding marketplace. Expand organic content footprint. Host regional credit-building seminars powered by IDIQ.

Months 10-12

Scale & Optimize

Hit peak run-rate of 500+ new enrollments monthly. Optimize retention funnels to achieve industry-leading LTV metrics.

10 // Leadership Team

The Engine Behind The Brand

Malcom J. Watkins

Co-Chief Executive Officer

Serial entrepreneur and visionary behind the FixItForADollar ecosystem, driving corporate strategy and high-level partnerships.

Drumma Boy

Co-Chief Executive Officer

Grammy Award-winning producer and mogul. Leverages vast entertainment networks to dramatically lower CAC through cultural relevance.

Isaiah Davis

Head of Marketing & Sales

Master conversion architect. Specializes in scaling digital ad campaigns, funnels, and managing the aggressive affiliate network.

Gregory Pace

Head of Technology

Full-stack innovator leading the development of the AI CreditFAX™ engine, CRM infrastructure, and IDIQ API integrations.

11 // Investor FAQs

Common Questions

Why an advance against enrollments rather than traditional debt?

An advance perfectly aligns our incentives. Traditional debt focuses on cash repayment, whereas an advance guarantees IDIQ receives what it values most: high-retention, recurring subscription users. We use the capital purely as fuel for the acquisition engine.

How do you ensure retention of IDIQ users?

Our platform requires an active IDIQ subscription for users to generate monthly AI CreditFAX™ reports. By combining your $1 one-week FICO® trial link and API-driven rental/utility reporting with our scanners, we give users the exact data lenders use—raising their approval ratings and making the IDIQ subscription incredibly sticky.

What happens if acquisition costs rise?

Our blended CAC is heavily stabilized by organic channels, the B2B affiliate network (auto dealers/realtors), and Drumma Boy's influencer reach. We are not solely reliant on volatile paid ad auctions.

What are the next steps if approved?

Funds are immediately allocated to the marketing escrow. Weekly performance reports on ad spend, CAC, and total enrollments will be provided to the IDIQ partnership team.

Let's Build The Future Together.

We appreciate your consideration and welcome the opportunity to discuss this strategic growth partnership in detail.

partners@fixitforadollar.com (347) 272-5344 FixItForADollar.com

Accelerating the Future of
Financial Empowerment

Table of Contents

The Opportunity

Core Objective

From Education to Ecosystem

The Foundation

The Evolution

A Massive Addressable Market

The FixItForADollar Ecosystem

CreditFAX™ AI Scanner

Automated Dispute Generator

Tradeline & Funding Marketplace

Educational Academy

Synergistic Revenue Generation

How We Monetize

The Flywheel Effect

Why We Win

Proven Execution

Strategic Partnership: Drumma Boy

Investment Allocation

The Math Behind The Guarantee

The 12-Month Execution Plan

Infrastructure & API Sync

National Campaign Rollout

Ecosystem Expansion

Scale & Optimize

The Engine Behind The Brand

Malcom J. Watkins

Drumma Boy

Isaiah Davis

Gregory Pace

Common Questions

Why an advance against enrollments rather than traditional debt?

How do you ensure retention of IDIQ users?

What happens if acquisition costs rise?

What are the next steps if approved?

Let's Build The Future Together.

Popular Local Services

Accelerating the Future of Financial Empowerment

Table of Contents

The Opportunity

Core Objective

From Education to Ecosystem

The Foundation

The Evolution

A Massive Addressable Market

The FixItForADollar Ecosystem

CreditFAX™ AI Scanner

Automated Dispute Generator

Tradeline & Funding Marketplace

Educational Academy

Synergistic Revenue Generation

How We Monetize

The Flywheel Effect

Why We Win

Proven Execution

Strategic Partnership: Drumma Boy

Investment Allocation

The Math Behind The Guarantee

The 12-Month Execution Plan

Infrastructure & API Sync

National Campaign Rollout

Ecosystem Expansion

Scale & Optimize

The Engine Behind The Brand

Malcom J. Watkins

Drumma Boy

Isaiah Davis

Gregory Pace

Common Questions

Why an advance against enrollments rather than traditional debt?

How do you ensure retention of IDIQ users?

What happens if acquisition costs rise?

What are the next steps if approved?

Let's Build The Future Together.

Popular Local Services

Accelerating the Future of
Financial Empowerment