Credit tools

Dispute letter drafting aid, utilization math, scenario framing, payoff estimates, and checklists — no sensitive data collection.

Start here

Tools here are meant to support learning and planning. They run in your browser and should not ask for sensitive identifiers. If something looks wrong, stop and contact us.

All planned tools

• Collection dispute checklist (coming soon)

  Evidence and sequencing checklist before disputing a collection tradeline.

• Credit Score Scenario Estimator

  Educational scenario framing for “what might happen” — not an exact FICO, VantageScore, or lender score calculator.

• Credit utilization calculator

  Estimate overall and per-card utilization and pay-down targets — not a score predictor.

• Debt payoff calculator (coming soon)

  Approximate payoff timeline and interest costs for fixed-rate assumptions — not individualized advice.

• Dispute letter generator

  Create an educational draft letter for inaccurate report information. Runs locally in your browser.

Educational disclaimer

Outputs are informational. They are not legal advice, not underwriting decisions, and not credit score predictions unless explicitly stated—and we avoid implying exact score changes.