Free Credit Repair Tools
Calculators, quizzes, templates, and resources to help you understand and improve your credit — all completely free.
How Much Is Bad Credit Costing You?
Calculate exactly how much you're overpaying on loans and credit cards because of your credit score. See the dollar savings from improving your credit.
Read MoreCredit Utilization Calculator
Enter your credit card balances and limits to see your utilization ratio. Get specific recommendations on which cards to pay down first.
Read MoreWhat's Your Credit IQ?
Test your credit knowledge with 10 questions based on real consumer finance law. See how you score and learn what you might be missing.
Read MoreWhich Credit Repair Strategy Is Right for You?
Answer 7 questions about your situation and get a personalized credit repair strategy profile with recommended next steps.
Read MoreFree Dispute Letter Templates
Download 6 professionally written dispute letter templates — 609 requests, debt validation, goodwill, pay-for-delete, and more.
Read MoreCredit Repair Glossary
80+ credit repair terms explained in plain English. From APR to utilization ratio — your complete reference guide.
Read MoreWant Personalized Help?
Our tools are a great starting point, but nothing beats a personalized analysis of your specific credit situation.
Get Your Free Credit Analysis