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<!DOCTYPE html>
<html lang="en">
<head>
<meta charset="UTF-8" />
<meta name="viewport" content="width=device-width, initial-scale=1.0" />
<title>Royal Ruby — Free 90-Day Credit Reset Checklist</title>
<meta name="description" content="The 5-page credit reset checklist Dr. Herman Marigny III uses with his community to move scores 40–80 points in 90 days. Free. No gurus. No $997 courses." />
<meta name="author" content="Dr. Herman Marigny III & the Royal Ruby Team" />
<link rel="canonical" href="https://royalruby.co/" />
<!-- Open Graph / Facebook -->
<meta property="og:type" content="website" />
<meta property="og:url" content="https://royalruby.co/" />
<meta property="og:title" content="Royal Ruby — Free 90-Day Credit Reset Checklist" />
<meta property="og:description" content="The 5-page checklist Dr. Herman Marigny III uses to move credit scores 40–80 points in 90 days. Free." />
<meta property="og:image" content="https://royalruby.co/og.png" />
<!-- Twitter -->
<meta name="twitter:card" content="summary_large_image" />
<meta name="twitter:title" content="Royal Ruby — Free 90-Day Credit Reset Checklist" />
<meta name="twitter:description" content="Unlock your credit. Build real wealth." />
<meta name="twitter:image" content="https://royalruby.co/og.png" />
<link rel="icon" type="image/svg+xml" href="/favicon.svg" />
<link rel="preconnect" href="https://fonts.googleapis.com" />
<link rel="preconnect" href="https://fonts.gstatic.com" crossorigin />
<link href="https://fonts.googleapis.com/css2?family=Playfair+Display:ital,wght@0,600;0,800;1,600&family=Inter:wght@400;500;600;700&display=swap" rel="stylesheet" />
<!-- Affiliate tracker placeholder (Rewardful) — replace with real key before launch -->
<!-- <script async src="https://r.wdfl.co/rw.js" data-rewardful="REPLACE_ME"></script> -->
<!-- Vercel Web Analytics (free tier, free for Vercel deployments) -->
<script>
window.va = window.va || function () { (window.vaq = window.vaq || []).push(arguments); };
</script>
<script defer src="/_vercel/insights/script.js"></script>
<!-- Vercel Speed Insights — Core Web Vitals tracking -->
<script defer src="/_vercel/speed-insights/script.js"></script>
<!-- Stripe Payment Link config (single source of truth) -->
<script defer src="/payments.js"></script>
<!-- Affiliate attribution (?ref=xyz → injected into forms + Stripe links) -->
<script defer src="/affiliates.js"></script>
<!-- JSON-LD: Organization -->
<script type="application/ld+json">
{
"@context": "https://schema.org",
"@type": "Organization",
"name": "Royal Ruby",
"url": "https://royalruby.co",
"logo": "https://royalruby.co/favicon.svg",
"sameAs": [
"https://twitter.com/jadedfocus",
"https://tiktok.com/@bryantshelby617"
]
}
</script>
<style>
:root {
--ruby: #9B1B30;
--ruby-deep: #6E0F1F;
--ruby-light: #C73E56;
--ivory: #F8F4E9;
--ivory-warm: #F2EBD8;
--charcoal: #1C1C1C;
--charcoal-soft: #2A2A2A;
--gold: #C9A449;
--gold-deep: #A8872F;
--text-hero: clamp(2.5rem, 1.2rem + 5vw, 5.75rem);
--text-h2: clamp(2rem, 1rem + 3vw, 3.75rem);
--text-lead: clamp(1.125rem, 0.95rem + 0.7vw, 1.375rem);
--space-section: clamp(3rem, 2rem + 4vw, 7rem);
--ease: cubic-bezier(0.16, 1, 0.3, 1);
--ease-smooth: cubic-bezier(0.65, 0, 0.35, 1);
}
* { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
font-family: "Inter", -apple-system, BlinkMacSystemFont, sans-serif;
background: var(--ivory);
color: var(--charcoal);
line-height: 1.6;
-webkit-font-smoothing: antialiased;
text-rendering: optimizeLegibility;
overflow-x: hidden;
}
/* Subtle paper grain — editorial texture, not decoration */
body::before {
content: "";
position: fixed;
inset: 0;
pointer-events: none;
z-index: 1;
opacity: 0.035;
background-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 200 200' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.9' /%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)' /%3E%3C/svg%3E");
}
.wrap { max-width: 1180px; margin: 0 auto; padding: 0 1.5rem; position: relative; z-index: 2; }
header {
padding: 1.75rem 0;
border-bottom: 1px solid rgba(28,28,28,0.08);
position: relative;
z-index: 10;
}
.nav {
display: flex;
align-items: center;
justify-content: space-between;
}
.logo {
font-family: "Playfair Display", Georgia, serif;
font-size: 1.5rem;
font-weight: 800;
color: var(--ruby);
letter-spacing: -0.02em;
text-decoration: none;
}
.logo span { color: var(--gold); font-style: italic; }
.nav-tag {
font-size: 0.7rem;
letter-spacing: 0.2em;
text-transform: uppercase;
color: rgba(28,28,28,0.5);
font-weight: 500;
}
/* HERO */
.hero {
padding: var(--space-section) 0 calc(var(--space-section) / 1.4);
display: grid;
grid-template-columns: 1.15fr 1fr;
gap: 4.5rem;
align-items: center;
position: relative;
}
@media (max-width: 880px) { .hero { grid-template-columns: 1fr; gap: 3rem; padding-top: calc(var(--space-section) / 1.5); } }
.eyebrow {
display: inline-flex;
align-items: center;
gap: 0.5rem;
font-size: 0.78rem;
font-weight: 600;
letter-spacing: 0.18em;
text-transform: uppercase;
color: var(--ruby);
padding: 0.5rem 1rem;
border: 1px solid var(--ruby);
border-radius: 999px;
margin-bottom: 1.75rem;
}
.eyebrow::before {
content: "";
width: 6px; height: 6px;
background: var(--ruby);
border-radius: 50%;
display: inline-block;
}
h1 {
font-family: "Playfair Display", Georgia, serif;
font-size: var(--text-hero);
font-weight: 800;
line-height: 0.94;
letter-spacing: -0.03em;
margin-bottom: 1.75rem;
}
h1 em {
font-style: italic;
color: var(--ruby);
}
.lead {
font-size: var(--text-lead);
color: rgba(28,28,28,0.75);
margin-bottom: 2rem;
max-width: 52ch;
line-height: 1.55;
}
.trust-row {
display: flex;
gap: 2rem;
flex-wrap: wrap;
padding-top: 1.5rem;
border-top: 1px solid rgba(28,28,28,0.1);
}
.trust-item {
display: flex;
flex-direction: column;
gap: 0.25rem;
}
.trust-num {
font-family: "Playfair Display", serif;
font-size: 2.25rem;
font-weight: 800;
color: var(--charcoal);
line-height: 1;
letter-spacing: -0.02em;
}
.trust-num span { color: var(--ruby); }
.trust-label {
font-size: 0.75rem;
letter-spacing: 0.08em;
text-transform: uppercase;
color: rgba(28,28,28,0.55);
font-weight: 500;
}
/* FORM CARD */
.form-card {
background: var(--charcoal);
color: var(--ivory);
padding: 2.75rem 2.5rem;
border-radius: 4px;
position: relative;
overflow: hidden;
box-shadow:
0 40px 80px -20px rgba(28,28,28,0.4),
0 0 0 1px rgba(201,164,73,0.15);
}
.form-card::before {
content: "";
position: absolute;
top: -50%; right: -40%;
width: 140%; height: 200%;
background: radial-gradient(circle, rgba(155,27,48,0.45), transparent 60%);
pointer-events: none;
animation: drift 20s ease-in-out infinite;
}
@keyframes drift {
0%, 100% { transform: translate(0,0) rotate(0deg); }
50% { transform: translate(-20px,10px) rotate(2deg); }
}
.form-card h2 {
font-family: "Playfair Display", serif;
font-size: 1.65rem;
margin-bottom: 0.35rem;
position: relative;
line-height: 1.2;
}
.form-card .form-sub {
opacity: 0.7;
margin-bottom: 1.75rem;
position: relative;
font-size: 0.95rem;
}
.form-card form {
display: flex;
flex-direction: column;
gap: 0.85rem;
position: relative;
}
.form-card input {
padding: 1.1rem 1.2rem;
background: rgba(248,244,233,0.08);
border: 1px solid rgba(248,244,233,0.15);
color: var(--ivory);
font-size: 1rem;
border-radius: 2px;
font-family: inherit;
transition: border-color 250ms var(--ease), background 250ms var(--ease);
}
.form-card input::placeholder { color: rgba(248,244,233,0.45); }
.form-card input:focus {
outline: none;
border-color: var(--gold);
background: rgba(248,244,233,0.12);
}
.form-card button {
padding: 1.15rem 1.5rem;
background: var(--ruby);
color: var(--ivory);
border: none;
font-family: inherit;
font-size: 0.95rem;
font-weight: 600;
letter-spacing: 0.08em;
cursor: pointer;
border-radius: 2px;
transition: transform 250ms var(--ease), background 250ms var(--ease), box-shadow 250ms var(--ease);
text-transform: uppercase;
position: relative;
overflow: hidden;
}
.form-card button:hover:not(:disabled) {
background: var(--ruby-deep);
transform: translateY(-2px);
box-shadow: 0 10px 25px -10px rgba(155,27,48,0.6);
}
.form-card button:active:not(:disabled) { transform: translateY(0); }
.form-card button:disabled { opacity: 0.6; cursor: wait; }
.form-card .fine {
font-size: 0.72rem;
opacity: 0.45;
margin-top: 0.85rem;
line-height: 1.5;
}
.form-card .fine a { color: var(--gold); text-decoration: none; }
/* PILLARS */
.pillars {
padding: var(--space-section) 0;
background: var(--charcoal);
color: var(--ivory);
margin-top: var(--space-section);
position: relative;
overflow: hidden;
}
.pillars::before {
content: "";
position: absolute;
top: 0; left: 50%;
width: 140%;
height: 1px;
background: linear-gradient(90deg, transparent, rgba(201,164,73,0.4), transparent);
transform: translateX(-50%);
}
.pillars-head {
display: grid;
grid-template-columns: 1fr auto;
gap: 2rem;
align-items: end;
margin-bottom: 3.5rem;
}
@media (max-width: 720px) { .pillars-head { grid-template-columns: 1fr; } }
.pillars h2 {
font-family: "Playfair Display", serif;
font-size: var(--text-h2);
line-height: 0.98;
max-width: 18ch;
letter-spacing: -0.02em;
font-weight: 800;
}
.pillars h2 span { color: var(--gold); font-style: italic; }
.pillars-kicker {
font-size: 0.75rem;
letter-spacing: 0.2em;
text-transform: uppercase;
color: var(--gold);
font-weight: 600;
}
.grid {
display: grid;
grid-template-columns: repeat(auto-fit, minmax(230px, 1fr));
gap: 2.5rem 2rem;
}
.pillar {
padding: 1.75rem 0 0;
border-top: 1px solid rgba(248,244,233,0.15);
transition: transform 400ms var(--ease-smooth);
}
.pillar:hover { transform: translateY(-4px); }
.pillar .num {
font-family: "Playfair Display", serif;
font-size: 2.75rem;
color: var(--gold);
line-height: 1;
margin-bottom: 1rem;
font-weight: 600;
font-style: italic;
}
.pillar h3 {
font-size: 1.15rem;
margin-bottom: 0.6rem;
font-weight: 600;
letter-spacing: -0.01em;
}
.pillar p {
opacity: 0.72;
font-size: 0.95rem;
line-height: 1.55;
}
/* AUTHOR QUOTE */
.author {
padding: var(--space-section) 0 calc(var(--space-section) / 1.5);
text-align: center;
position: relative;
}
.author::before {
content: "\201C";
position: absolute;
top: 4rem;
left: 50%;
transform: translateX(-50%);
font-family: "Playfair Display", serif;
font-size: 12rem;
color: var(--ruby);
opacity: 0.08;
line-height: 1;
pointer-events: none;
}
.author blockquote {
font-family: "Playfair Display", serif;
font-size: clamp(1.4rem, 0.9rem + 1.8vw, 2.4rem);
font-style: italic;
font-weight: 600;
line-height: 1.3;
max-width: 26ch;
margin: 0 auto 1.75rem;
color: var(--charcoal);
position: relative;
}
.author .cite {
font-size: 0.82rem;
letter-spacing: 0.18em;
text-transform: uppercase;
color: var(--ruby);
font-weight: 600;
}
.author .cite-detail {
display: block;
font-size: 0.72rem;
color: rgba(28,28,28,0.5);
margin-top: 0.35rem;
letter-spacing: 0.1em;
}
/* NEXT STEP — Stripe upsell */
.next {
padding: calc(var(--space-section) / 1.5) 0 var(--space-section);
background: var(--ivory-warm);
border-top: 1px solid rgba(28,28,28,0.08);
border-bottom: 1px solid rgba(28,28,28,0.08);
}
.next-inner {
display: grid;
grid-template-columns: 1.3fr 1fr;
gap: 4rem;
align-items: center;
}
@media (max-width: 820px) { .next-inner { grid-template-columns: 1fr; gap: 2.5rem; } }
.next .kicker {
font-size: 0.75rem;
letter-spacing: 0.2em;
text-transform: uppercase;
color: var(--ruby);
font-weight: 600;
margin-bottom: 1rem;
}
.next h2 {
font-family: "Playfair Display", serif;
font-size: clamp(1.75rem, 1rem + 2.5vw, 3rem);
line-height: 1.05;
margin-bottom: 1.25rem;
letter-spacing: -0.02em;
font-weight: 800;
}
.next h2 em { color: var(--ruby); font-style: italic; }
.next p { color: rgba(28,28,28,0.72); margin-bottom: 1.75rem; max-width: 48ch; font-size: 1.05rem; }
.cta-btn {
display: inline-flex;
align-items: center;
gap: 0.65rem;
padding: 1.1rem 1.9rem;
background: var(--charcoal);
color: var(--ivory);
text-decoration: none;
border-radius: 2px;
font-weight: 600;
font-size: 0.95rem;
letter-spacing: 0.06em;
text-transform: uppercase;
transition: transform 250ms var(--ease), background 250ms var(--ease), box-shadow 250ms var(--ease);
}
.cta-btn:hover {
background: var(--ruby);
transform: translateY(-2px);
box-shadow: 0 15px 30px -12px rgba(28,28,28,0.3);
}
.cta-btn::after {
content: "\2192";
transition: transform 250ms var(--ease);
}
.cta-btn:hover::after { transform: translateX(4px); }
.product-card {
background: var(--ivory);
padding: 2.25rem;
border: 1px solid rgba(28,28,28,0.1);
border-radius: 4px;
position: relative;
}
.product-card .price {
font-family: "Playfair Display", serif;
font-size: 3.25rem;
font-weight: 800;
color: var(--ruby);
line-height: 1;
letter-spacing: -0.03em;
}
.product-card .price sup {
font-size: 1.3rem;
vertical-align: top;
margin-right: 2px;
}
.product-card .product-name {
font-family: "Playfair Display", serif;
font-size: 1.3rem;
font-weight: 600;
margin-top: 0.5rem;
margin-bottom: 1rem;
}
.product-card ul {
list-style: none;
padding: 0;
margin-bottom: 1.5rem;
border-top: 1px solid rgba(28,28,28,0.1);
padding-top: 1rem;
}
.product-card li {
padding: 0.5rem 0;
font-size: 0.92rem;
color: rgba(28,28,28,0.75);
display: flex;
align-items: baseline;
gap: 0.6rem;
}
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<a href="/" class="logo">Royal<span>Ruby</span></a>
<div class="nav-tag">Unlock your credit</div>
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<section class="hero wrap">
<div>
<span class="eyebrow">Free · 5 Pages · No Gurus</span>
<h1>Take back your credit in <em>90 days.</em></h1>
<p class="lead">The exact checklist Dr. Herman Marigny III uses with his community to move scores by 40–80 points — without $997 courses, sketchy repair companies, or templates that don't work.</p>
<div class="trust-row">
<div class="trust-item">
<div class="trust-num">90<span>d</span></div>
<div class="trust-label">Full Reset</div>
</div>
<div class="trust-item">
<div class="trust-num">40<span>+</span></div>
<div class="trust-label">Points Avg</div>
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<div class="trust-num">$<span>0</span></div>
<div class="trust-label">Forever Free</div>
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<h2>Send me the checklist</h2>
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<section class="pillars">
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<div class="pillars-head">
<h2>What's <span>inside</span> the five pages.</h2>
<div class="pillars-kicker">The 90-day system</div>
</div>
<div class="grid">
<div class="pillar">
<div class="num">01</div>
<h3>Know Your Starting Line</h3>
<p>Pull all three reports free and lock in your Day 0 baseline. No more guessing at your score.</p>
</div>
<div class="pillar">
<div class="num">02</div>
<h3>The Dispute Sweep</h3>
<p>The 30-day legal framework to challenge every questionable item on every bureau.</p>
</div>
<div class="pillar">
<div class="num">03</div>
<h3>Crush Utilization</h3>
<p>The fastest legal lever in your FICO score — most people miss it entirely.</p>
</div>
<div class="pillar">
<div class="num">04</div>
<h3>Build Positive History</h3>
<p>Disputing removes damage. This step adds fuel — authorized users, secured cards, rent reporting.</p>
</div>
<div class="pillar">
<div class="num">05</div>
<h3>The 90-Day System</h3>
<p>Week-by-week plan so you stop guessing and start winning. A real system, not a pep talk.</p>
</div>
</div>
</div>
</section>
<section class="author wrap">
<blockquote>"You can't build wealth on a broken foundation. Start with truth, then build."</blockquote>
<div class="cite">Dr. Herman Marigny III</div>
<div class="cite-detail">Co-founder, Royal Ruby</div>
</section>
<section class="next">
<div class="wrap next-inner">
<div>
<div class="kicker">After the Checklist</div>
<h2>The next step is the <em>Ruby Starter Pack.</em></h2>
<p>The 90-day financial reset bundle — the checklist, a budget builder, a debt destroyer, and the dispute letter templates we use. One-time, not a subscription.</p>
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Join the Starter Pack waitlist
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<div class="product-card">
<div class="price"><sup>$</sup>17</div>
<div class="product-name">Ruby Starter Pack</div>
<ul>
<li>5-Page Credit Reset Checklist</li>
<li>90-Day Budget Builder</li>
<li>Debt Destroyer Spreadsheet</li>
<li>3 Dispute Letter Templates</li>
<li>Lifetime access — one payment</li>
</ul>
<p style="font-size:0.78rem;color:rgba(28,28,28,0.55);line-height:1.5;">
Not a subscription. Instant delivery.
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<div class="wrap next-inner">
<div>
<div class="kicker" style="color:var(--gold);">Rung Two</div>
<h2 style="color:var(--ivory);">For the ones with <em style="color:var(--gold);">real damage.</em></h2>
<p style="color:rgba(248,244,233,0.75);">The <strong>Ruby Dispute Vault</strong> is the binder. Twelve battle-tested dispute letter templates, the FCRA script book, a method-of-verification playbook, and the actual letters Dr. Marigny has used to remove collections, charge-offs, and six-year-old judgments. Certified-mail ready.</p>
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<div class="price" style="color:var(--gold);"><sup>$</sup>47</div>
<div class="product-name" style="color:var(--ivory);">Ruby Dispute Vault</div>
<ul style="border-top-color:rgba(248,244,233,0.12);">
<li style="color:rgba(248,244,233,0.8);">12 dispute letter templates (collections, charge-offs, inquiries, medical, old addresses, mixed files)</li>
<li style="color:rgba(248,244,233,0.8);">FCRA § 611 method-of-verification script</li>
<li style="color:rgba(248,244,233,0.8);">Certified mail walkthrough + tracking sheet</li>
<li style="color:rgba(248,244,233,0.8);">30-day follow-up cadence</li>
<li style="color:rgba(248,244,233,0.8);">Goodwill deletion + pay-for-delete scripts</li>
<li style="color:rgba(248,244,233,0.8);">Lifetime access — includes all updates</li>
</ul>
<p style="font-size:0.78rem;color:rgba(248,244,233,0.5);line-height:1.5;">
Educational templates. Not legal advice.
</p>
</div>
</div>
</section>
<section class="next">
<div class="wrap next-inner">
<div>
<div class="kicker">Rung Three</div>
<h2>Credit becomes <em>capital.</em></h2>
<p>The <strong>Credit Stacker</strong> is the full program. Business credit from zero, leverage strategies, quarterly wealth-move briefings from Dr. Marigny, and the complete framework that turns a credit score into an income-generating asset. This is how you stop repairing and start building.</p>
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</div>
<div class="product-card">
<div class="price"><sup>$</sup>97</div>
<div class="product-name">Credit Stacker</div>
<ul>
<li>Everything in the Starter Pack + Dispute Vault</li>
<li>Business credit blueprint (LLC → EIN → D&B → Net-30s)</li>
<li>Leverage playbook (credit lines as capital)</li>
<li>Dr. Marigny quarterly wealth-move briefing</li>
<li>Personalized 1/1 NFT certificate on Base</li>
<li>Lagniappe — your unexpected bonus (we do more)</li>
<li>Lifetime access — one payment, every future update</li>
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