Free tools that show you the money

Run your real numbers. See what your score is costing you, what to pay first, and exactly when each dispute deadline hits. No signup required.

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Utilization Optimizer

The fastest legal score lever. See exactly how much to pay down — and which card to pay first.

Card

Balance

Limit

Card

Balance

Limit

44.0%

Overall utilization on $2,200 of $5,000 in limits

Pay $750 to get under 30%
Pay $1,750 to get under 10% (the sweet spot)
Typical score impact at your level: 10-25 pts (estimate, not a guarantee)

Card 1: 90% used — pay $1,220 to reach 30%

What-If Score Simulator

Check the actions you can realistically take and see the range they typically move a file like yours.

Your current score

Get all cards under 30% utilizationGet all cards under 10% utilizationRemove one inaccurate collectionGoodwill-remove one late paymentBecome an authorized user on a seasoned cardOpen a secured card and pay on time 6 monthsNo new hard inquiries for 6 months6 straight months of on-time payments

Projected range

585 – 645

From 560 today. Estimates based on typical FICO factor weighting — not a guarantee.

Debt Payoff Planner

Compare avalanche vs. snowball with your real numbers and see which order saves you more.

Debt

Balance

APR %

Min pmt

Debt

Balance

APR %

Min pmt

Debt

Balance

APR %

Min pmt

Extra you can add each month

Avalanche (highest APR first)

2y 5m

$2,822 total interest

Payoff order: Collection → Credit card → Auto loan

Snowball (smallest balance first)

2y 7m

$3,227 total interest

Payoff order: Collection → Credit card → Auto loan

Estimates assume fixed rates and no new charges. Avalanche saves the most money; snowball builds momentum faster.

Bad Credit Cost Calculator

See in dollars what your current score is costing you — and what a higher score is worth.

Loan type

Amount financed

Term (years)

Score now

Goal score

Deep subprime (300-579)

$695/mo

at ~21.5% APR

Prime (660-719)

$516/mo

at ~9.8% APR

You'd keep $179/month — $12,913 over the life of the loan.

APRs are illustrative tier averages, not quotes. Your actual rate depends on the lender, income, and down payment.

Dispute Deadline Tracker

Bureaus generally have 30 days to investigate under the FCRA. Log what you sent and never miss the follow-up window.

Nothing tracked yet. Add your first dispute above.

Questions about your numbers?

You never have to call anyone. Search the self-serve help center for instant answers, or ask the AI mentor and get a step-by-step reply in seconds.

Open the help center

Don't rebuild your credit alone

The tools show the gap. Premium closes it.

Members get the AI mentor, unlimited dispute letters, the full rebuild course, and a tracked 30-day plan.

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Educational credit guidance. We are not a credit repair organization and results vary.