"The resources on this page are ones I've personally used, read, or recommend. Some are free. Some cost a few dollars. None of them replace the hard work — but all of them make the work clearer."
— Virginia, Founder · ProjectHER: The Rebuild
These resources are completely free. No email required. Just tools that work.
Pull all three of your credit reports for free — Experian, Equifax, and TransUnion. Do this before you do anything else. Know what you're working with.
Get Your Free Reports →The FTC's free step-by-step guide to placing a credit freeze at all three bureaus. One of the most powerful identity protection moves you can make — and it's free.
Read the Guide →If a creditor or collection agency is violating the law, this is where you report it. The CFPB tracks complaints and can take action. Your complaint has power — use it.
File a Complaint →A government-backed financial literacy hub with free tools, calculators, and guides on budgeting, saving, and managing debt. Often overlooked, always useful.
Explore Free Tools →Find banks and credit unions that offer safe, low-fee accounts for people who've been ChexSystems flagged or denied traditional banking. You deserve access to financial services.
Find a Bank On Account →The FDCPA gives you rights. Collectors cannot call before 8 AM or after 9 PM. They cannot harass or threaten you. Read the FTC summary and know what you're owed.
Know Your Rights →These aren't affiliate recommendations. These are books Virginia read during her own rebuild — some brilliant, some with flaws. She shares both the value and the gap.
Dave Ramsey
Good foundation for debt snowball thinking. Virginia's note: "Useful framework, but doesn't address the reality of low income + high debt. Use the mindset, not the math, if your situation doesn't fit the template."
Ramit Sethi
More practical than most. Covers automation, negotiation, and credit use in plain language. Virginia's note: "Solid for people who have some income stability. If you're starting from zero, adjust accordingly — but worth reading."
Morgan Housel
Not a how-to — it's a why. Helps you understand why smart people make terrible financial decisions, and what your actual relationship with money looks like under pressure.
Jen Sincero
Heavy on mindset, light on mechanics. Virginia's take: "Read for the belief work — the permission to want more. Don't read it expecting a financial playbook. That part you build yourself."
Robert Kiyosaki
A polarizing classic. Virginia's honest review: "The asset vs. liability framework changed how I saw my spending. The specifics are vague. Use it to shift perspective, not as a playbook."
Suze Orman
Specifically written for women who've been taught to feel small around money. Covers the emotional blocks, not just the math. A gentle but direct entry point for women starting from fear.
Because none of the books gave her the actual steps. So she built the steps. These are the tools that fill the gaps the books leave open.
Templated, customizable dispute letters for every scenario — collections, late pays, accounts you don't recognize. Written in the language bureaus respond to.
Get the Letters →A system to track every dispute across all three bureaus — dates sent, responses received, follow-ups needed. Because the bureaus count on you forgetting.
Get the Tracker →A visual credit score tracker built for women in rebuild. Track your progress month by month, understand what's moving your score, and stay anchored to where you're going.
Get the Dashboard →Every tool Virginia built, in one bundle. Dispute letters, tracker, dashboard, foundation assessment, and AI coach access. Everything you need to run your own rebuild.
Get the Full Suite →An AI trained on ProjectHER's framework. Ask it about disputes, debt negotiation, credit strategy, or where to start. Available 24/7, built specifically for women rebuilding.
Access AI Coach →The flagship guided journal — Heal, Earn, Rise. Three pillars, one guided journey. Reflection prompts, root work, and financial exercises built for women in the middle of their becoming.
Get on Etsy →Resources that don't require sitting down with a book. For commutes, workouts, and the in-between moments where you're still building.
Mandi Woodruff & Tiffany Aliche
Personal finance and career advice for women of color. Real, frank, and culturally grounded. One of the most consistent shows for the everyday woman building wealth from scratch.
Tiffany Aliche
Practical, encouraging, and designed for women who didn't grow up learning this stuff. Covers credit repair, savings basics, and financial freedom without the shame spiral.
Free · Private Community
The free community Virginia built for women in the rebuild process. Ask questions, share wins, find accountability, and connect with women doing the exact same work.
Join for Free →You don't need to have it all figured out. You just need the next step. Start with a free credit report. Join the community. Pick up a workbook. One thing. Then the next.