Free credit tools
Real math, no email signup, no upsell. Every tool runs entirely in your browser — we never see what you put in.
Credit Utilization Calculator
Per-card and aggregate utilization. See exactly which cards drag your score and what to pay down for max FICO impact.
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FICO Score Simulator
Project your score after a charge-off is removed, a balance is paid down, or a new card is opened. Real FICO 8 weighting math.
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FCRA Dispute Deadline Calculator
Enter the date you mailed the dispute. We tell you the day the FCRA 30-day clock runs out and what to do if it does.
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Debt Payoff Calculator
Snowball vs avalanche. See exactly how many months and how much interest you save with each strategy.
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Auto Loan Rate Calculator
Average APRs by credit-score tier. Monthly payment + total interest. See how much a higher score saves on a car loan.
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