Free Credit Repair Tools
Use these calculators and templates to understand your credit report, plan balance changes, and prepare better documentation before taking action.
Credit Utilization Calculator
Estimate your revolving utilization ratio and payoff targets for 30% and 10% utilization.
Dispute Letter Generator
Create a plain-English credit report dispute template with placeholders and evidence reminders.
Credit Score Factors Explorer
Understand the major FICO score categories and which actions usually matter most.