Free Tools
Put Your Credit Knowledge to Work
Write real letters, plan payoffs, check legal deadlines, and test your knowledge. All free. No account required to start.
Dispute Letter Writer
Professionally written, FCRA-backed
Letters for 13 situations: bureau disputes, follow-ups, goodwill requests, debt validation, pay-for-delete, and identity theft. Each explains the law behind it.
Utilization Calculator
Find your fastest score lever
Enter your card limits and balances to see per-card and overall utilization, plus an exact payoff plan (AZEO) that targets the reported numbers lenders see.
Old Debt Clock
Removal dates and lawsuit limits
Enter when a negative item started and get its estimated fall-off date, a re-aging check, and your state statute of limitations for the debt itself.
Starter Path Picker
Your first credit accounts
Answer four questions and get the right first move: secured card, credit-builder loan, authorized user, or a combination. Plus rent and utility reporting options.
Credit Freeze Guide
Lock your file at all three bureaus
A guided checklist to freeze your credit for free, with each bureau's links, phone numbers, and addresses, and a plain explanation of freezes vs fraud alerts.
Credit Score Simulator
See decisions in action
Pick a starting profile and play through 15 real-world scenarios. Watch the simulated score react, with a clear explanation of why each change happened.
Good vs Bad for Credit
Test your knowledge
15 financial behaviors. Sort each one: does it help your credit or hurt it? Instant feedback and a full explanation for every answer.