Destroy your debt. Build excellent credit. Take back control.
Two complete programs in one bundle. The first gives you the exact strategy to annihilate every debt you have. The second teaches you how to build a credit score lenders trust — so you stop paying for the rest of your life.
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Taught By Someone Who Lived It First.
Not theory. Not commentary. Neil built his way out of personal debt, then out of the working class entirely, using the exact frameworks taught in this bundle.
My frameworks are now used by 17,000+ students across 50+ countries.
From a run down flat to buying a castle on the Isle of Man...
Most people assume Neil grew up wealthy. The truth is the opposite. He grew up working class, in a small flat without wallpaper, in one of the most dangerous cities in Europe. When he started out, he had no money, no contacts and no advantage - and like most people, he had credit card balances and a negative net worth.
So he set about figuring out how debt and credit actually work. Not how the textbooks describe them. How they really work, behind the scenes, in the favour of the lender. Once he had that, he cleared his debt methodically and built a credit profile that has unlocked everything since.
Today Neil has built more than 40 income streams. His YouTube channel has grown to over 555,000+ subscribers, with 700,000+ followings worldwide across all platforms and over half a billion video views. Over 17,000 students across 50+ countries have taken his courses. He has personally mentored more than 60 celebrities, hundreds of CEOs and multi-millionaires, and advised two hedge fund managers on the future of finance.
The castle in the photos is his actual home, on the Isle of Man. Bought using the exact principles taught across his programs - starting with the foundation work in this bundle.
If you're carrying debt, or your credit score is quietly costing you, read this carefully.
Most people don't realise that debt and credit are two sides of the same coin. The same system that fines you for one rewards you for the other. And almost nobody is ever taught the rules.
So they spend decades on the wrong side of it. Paying 22% interest on a credit card. Getting denied for the mortgage they should qualify for. Paying $40,000 extra on a car loan because their score was 80 points lower than it needed to be. Watching every promotion get eaten by minimum payments.
This bundle is different. It's two complete programs - the foundation level of Neil's entire academy - built around the actual mechanics of how debt and credit work, and how to use them to your benefit instead of theirs.
You'll learn how to honestly assess where you stand financially. The two repayment methods Neil uses with students - Snowball and Avalanche - and how to choose between them based on your situation. The psychology that keeps most people stuck in debt cycles. How credit scoring actually works across the US, UK, EU, Canada and Australia. The one GOLDEN rule that, applied consistently, eliminates almost all credit-related financial damage. And what a strong score actually unlocks.
Here's something most people still don't understand.
The financial industry doesn't make its money from rich people. It makes its money from ordinary people who carry credit card balances, pay minimum payments, and have credit scores 60-100 points lower than they could be. If you're not the one paying attention, then you are the fee.
This bundle exists to flip that. The same way it has for thousands of Neil's students across 50+ countries.
This bundle is for you if...
→ You're carrying debt - credit cards, personal loans, car finance, store cards, overdraft - and you want a structured plan to clear it
→ Your credit score is hurting your options - higher rates, declined applications, limited borrowing
→ You want to actually understand how credit works in your country, not just guess at it
→ You're starting Neil's academy and want the foundation - the work that has to happen before mindset, cashflow or investing
→ You appreciate clear, direct teaching built on real lived experience, not theory
You're probably being quietly robbed.
Through his work mentoring CEOs, hedge fund managers and over 60 celebrities, Neil has noticed an unusual pattern. Most successful people don't take any real responsibility for understanding how debt and credit actually work against them. They simply trust the bank, trust the broker, trust the system. The truth is, every year, the gap between someone with an excellent score and someone with a poor one quietly costs tens of thousands of pounds. Nobody warns them.
If you're not the one paying attention, then you are the fee.
Think about that for a moment. Two people apply for the same car loan. One has a high credit score and qualifies for a 5% interest rate. The other has a lower score and ends up with 12%. That difference, on a $30,000 loan, costs the second person thousands of pounds extra over the lifetime of the loan.
Multiply that by the mortgage. The personal loans. The credit card balances. The insurance premiums. The lifetime cost compounds quietly into hundreds of thousands.
This bundle exists to close that gap for you. The same way it has for over 17,000 students across 50+ countries.
What you'll actually know by the end.
Imagine you sit down at your kitchen table on a Sunday afternoon. You open the spreadsheet from Chapter 2. You write down every debt you have, every interest rate, every minimum payment. For the first time, you can see exactly where you stand. Then you build the plan to clear it - in order, with a timeline, using whichever method fits your psychology best.
That's exactly what this bundle teaches you to do. The assessment frameworks. The repayment methods. The mindset shifts. And then, once the chains are off, how to build a credit profile that compounds in your favour for the rest of your life.
Here's a sample of what you'll walk away knowing:
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✓Your real DTI ratio and net worth, calculated properly
The two financial numbers that explain everything else - and exactly how to calculate them honestly using the spreadsheets included with the program. Most people guess. You'll know.
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✓The Snowball method - and why it works on psychology, not maths
Clear your smallest debt first for momentum. The reason behavioural finance studies consistently show this approach beats the maths-optimal one for most people - and how to apply it in your specific situation.
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✓The Avalanche method - mathematically optimised, interest-rate first
When you have the discipline for it, this saves you the most money. How to set it up, how to track it, and the situations where it clearly beats the Snowball.
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✓The unconscious money beliefs keeping you stuck
Most people are running financial software installed by people who were also financially struggling. Neil walks you through the inherited mindsets - and how to rewire them - in the psychology chapters of Debt Annihilation.
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✓How credit scoring actually works in your country
The differences between the US (FICO 300-850), UK (Experian 0-999), Canada, EU and Australia (Equifax up to 1,200) - and which factors genuinely move the needle in each system.
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✓The GOLDEN rule for credit card use
One principle that, applied consistently, eliminates almost all credit-related financial damage. The most-quoted lesson in the entire Credit Hacks course - taught in full in Chapter 3.
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✓The strategic spender vs the reward chaser
Most rewards cards are designed to make you spend more than you save. The framework for actually using them to your advantage - and the psychology that traps everyone else.
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✓How to build credit from scratch - the right starting moves
Whether you've never had credit, or you're rebuilding after damage, Chapter 5 of Credit Hacks gives you the specific actions that genuinely shift the score, and the order to do them in.
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✓What a strong score actually unlocks - the lifetime savings
Lower mortgage rates. Better business financing. Lower insurance premiums. Employment opportunities you didn't know were affected. Mapped out across the final chapter of Credit Hacks.
This is the foundation work every other Neil McCoy-Ward course builds on. Get this right and every other program in the academy becomes far more useful.
Two full courses. Sixteen-plus chapters.
Two complete standalone programs. Bought separately they would cost $1,150. Bundled, the price is intentional - this is the entry point into Neil's academy.
Courses
Chapters
Exercises
Access
- Chapter 1 - Introduction and program walkthrough
- Chapter 2 - Assessment: Income vs Expenses, DTI, spending breakdown
- Chapter 3 - Vision: net worth, emotional spending, blind spots
- Chapter 4 - Psychology: the unconscious money beliefs keeping you stuck
- Chapter 5 - Mindset: the shift from survival to builder
- Chapter 6 - Action: Snowball & Avalanche methods applied
- Chapter 7 - Understanding debt: good vs bad, interest mechanics
- Chapter 8 - Building a debt-free future you don't fall back into
- Chapter 9 - Conclusion and next steps
- Includes: Income vs Expenses, DTI & Net Worth spreadsheets
- Chapter 1 - Why this isn't another points-and-miles course
- Chapter 2 - Basics Part 1: how credit really works, country by country
- Chapter 3 - Basics Part 2: credit cards and the GOLDEN rule
- Chapter 4 - Supercharge: rewards, sign-ups, travel hacking the right way
- Chapter 5 - Score Mastery: building, raising and protecting your score
- Chapter 6 - What's possible: mortgages, business, employment, insurance
- Chapter 7 - Conclusion and where this leads next
- ★ Bonus: Advanced Credit Hacks - Neil's personal strategies
Seen enough? Get instant access.
Both complete courses. 16+ chapters. Workbook exercises and spreadsheets. Lifetime access. 30 day guarantee.
Get Instant AccessMore than just cleared debt.
Students from this bundle frequently report outcomes that go well beyond their balance sheet. These are the unexpected benefits of really understanding how the system works at the foundation level.
In their own words
Real screenshots from real students. A small selection of more than 100 written and video testimonials on file.
More than 100 written and video testimonials on file. The above is a small selection.
Two courses. One payment. Yours for life.
One-time payment of $97 · No subscription, no renewal
Secure checkout via Teachable · Instant access · All major cards · Worldwide
Go through both courses risk free for 30 days.
Take 30 days to go through both programs. If you're not completely satisfied with what you've learned, just send Neil's team a quick one-line email within those 30 days and you'll receive a full refund. No, you don't need to answer any questions.
Why offer a guarantee this strong? Because Neil knows the work in this bundle will change how you think about debt and credit. It transformed his approach. And if you just take action, it can transform yours too.
- ✓Full refund within 30 days. No questions asked.
- ✓One short email to enquiries@neilmccoyward.com. Refunds processed within 5 to 7 business days.
- ✓Or swap courses instead. Prefer a different program? The team will switch you over.
- ✓All payments processed securely through Teachable.
- ✓Your information is never shared with a third party.
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Stop paying for the rest of your life.
Start with the foundation.
Two complete courses. Sixteen-plus chapters. Every workbook and spreadsheet included. Lifetime access. A 30-day guarantee. The foundation level of Neil's entire academy - and the work that has to happen before any of it can do anything for you.
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