Credit & Business Education

Your Knowledge.
Your Wealth.

Learn how credit works, build business credit the right way, and grow a business that lasts. Education and mentorship for the people building what comes next for their families.

Book a Discovery Call Explore Courses

The Academy

Financial knowledge is the first asset you build.

Simply Cents Academy teaches the parts of money most of us were never taught. You'll learn how your personal credit is scored and how to correct what's wrong on your reports. You'll learn how business credit works and how to establish it separate from your own name.

From there, we help you set up a business on a solid foundation, so the work you put in today keeps paying off for you and your family.

Understand

Read your credit reports with confidence and know what lenders look at.

Establish

Structure your business correctly and build credit in its name.

Sustain

Protect your assets and grow a business built to last.

Courses

Choose where to begin

Four areas of study. Start with the one that fits where you are today.

Personal Credit Education

Understand your scores, read all three bureau reports, and dispute inaccurate items yourself.

  • How scoring models work, including the 2027 changes
  • Reading Equifax, Experian, and TransUnion reports
  • Writing effective dispute letters
Community from $49/moStart learning

Business Credit Building

Separate your business from your personal credit and build a profile lenders take seriously.

  • Business credit bureaus and how they report
  • Net 30 vendor accounts that build history
  • Tracking applications and funding readiness
Mentorship $297/moSee mentorship

Bankruptcy Education

Understand Chapter 7 and Chapter 13, what each one means for you, and how the paperwork works.

  • Starter guide and recorded walkthrough
  • Sample completed forms
  • Optional form preparation service
Kit $47View the kit

Business Development

Set up your company the right way, from articles of incorporation to the systems that keep it running.

  • Choosing and filing your business structure
  • Asset protection and trusts
  • Moving from employee to owner
Guide $40View the guide

Mentorship & Consulting

Work directly with a mentor

For the steps that are easier with someone beside you. Start with a discovery call and leave with a clear plan.

Discovery Call: a focused one-on-one call about your goals Start here

Discovery Call

$69one time

A one-on-one session to review where your credit and business stand today.

  • Personal or business credit review
  • A written next-step plan
Book a call
Monthly Mentorship: guidance, strategy, and accountability Ongoing support

Monthly Mentorship

$297/ month

For owners with an LLC or corporation who are ready to build business credit.

  • Two coaching sessions every month
  • Progress reviews and updates
  • Cancel anytime
Join mentorship
Business Setup Services checklist Starting from scratch

Business Setup

$497one time

Form your business correctly, either guided step by step or done for you.

  • Articles of incorporation filed
  • Foundation ready for business credit
Get started

Not sure which is right for you?

Book a Discovery Call

Tools & Community

Keep learning between sessions

Credit Repair Hub dashboard on a laptop Credit Hub

Find the errors. Prepare the letters.

Upload your credit report. The Hub flags negative items across all three bureaus and drafts your dispute letters.

  • Report scanner for all three bureaus
  • Letter Studio with combined disputes
  • Every report and letter in one place

Already a member? Log in to the Hub

$67/ moSubscribe
Simply Cents community classrooms on a laptop Community

The Simply Cents Academy community

Eleven classrooms and more than ninety lessons on Skool, plus live coaching call days. Credit Hub access is included.

  • Personal and business credit
  • Business structure, trusts, and asset protection
  • Government contracts, nonprofits, and bankruptcy
$49/ moJoin on Skool

Shop

Guides, kits, and services

Pay once and keep it. Downloads arrive by email right after checkout.

The Clock Out Blueprint ebook cover Ebook

The Clock Out Blueprint

Plan your move from employee to owner and set up the business side first.

$40
Buy now
Bankruptcy Starter Kit: guide, video training, and form templates Complete kit

Bankruptcy Kit

Starter guide, recorded walkthrough, sample completed forms, and slide deck.

$47
Buy the kit
Done-for-you bankruptcy forms, Schedules A through J Service

Bankruptcy Form Preparation

Send your credit report and intake questionnaire, and your Chapter 7 or 13 forms are typed for you. Form preparation only, not legal advice.

$175
Book a session
Sherita Griffith, founder of Simply Cents Academy

About the Academy

Built by someone who did the work.

Our mission is to make financial knowledge accessible, so more families can build wealth that lasts for generations.

I'm Sherita Griffith. I spent years in insurance and financial services, then built my own credit and business while working full time and homeschooling my children.

Simply Cents Academy teaches those same steps plainly, so you can take control of your finances and build something of your own.

P&C LicensedProject Management CertifiedSouthfield, Michigan

Questions

Before you begin

How do I receive my ebook or kit?

Right after checkout you'll get an email with your download link. Check your spam folder if it hasn't arrived within a few minutes.

Can I cancel a monthly plan?

Yes. Monthly Mentorship and Credit Hub can be canceled anytime. Access continues until the end of your current billing period.

Do you guarantee results?

No. Results depend on your credit history and the steps you take. We teach the process and provide the tools.

Refund policy

Digital downloads are non-refundable once delivered. Coaching sessions can be rescheduled with 24 hours' notice. Contact us within 3 days of a monthly charge about any billing issue.