Free Tools

Everything free.

No credit card. No subscription. No paywall. All of it.

Dispute Letter Generator
Generate letters for any bureau, any furnisher, any sub-bureau.
Score Simulator
See how different actions affect your score before you act.
Credit Calculator
Debt-to-income ratios, credit utilization, payoff timelines.
Debt Payoff Planner
Avalanche vs snowball method. See the math.
Credit Education
How credit works, how to read reports, how to improve.
Template Library
Standalone templates for every dispute type.

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