Free Credit Tools
Simulate your credit score, generate dispute letters, and track your progress — all free, no account needed.
How to Repair Your Credit in 4 Steps
Follow this proven process to improve your credit score yourself
Simulate
Use our free simulator to see how actions affect your score
Plan
Get a personalized action plan based on your goals
Learn
Understand credit concepts with our Learning Center
Track
Monitor your progress and celebrate milestones
All Credit Repair Tools
Everything you need to understand and improve your credit score
Credit Score Simulator
See how different actions affect your credit score before you take them. Toggle payments, utilization changes, and more.
- Instant score predictions
- Toggle 10+ credit actions
- No account required
- Educational explanations
Personalized Credit Plan
Answer a few questions and get a custom 30-day and 90-day action plan based on your unique credit situation.
- Customized action items
- 30-day & 90-day roadmap
- Priority-ranked tasks
- Goal-based strategies
Credit Learning Center
Master credit fundamentals with jargon-free explanations, visual guides, and interactive quizzes.
- 15+ credit topics explained
- Visual animations
- Knowledge quizzes
- Earn achievements
AI Credit Coach
Get instant answers to your credit questions from our AI-powered coach. Available 24/7 in your dashboard.
- Instant credit advice
- Personalized responses
- Available 24/7
- Plain language explanations
Credit Repair Ebook
Download our comprehensive guide to fixing your credit score with proven strategies and templates.
- Step-by-step strategies
- Dispute letter templates
- Creditor negotiation tips
- Building credit from scratch
Weekly Credit Check-In
Build healthy credit habits with weekly check-ins that track your behaviors and celebrate your progress.
- Track credit behaviors
- Build healthy habits
- Streak tracking
- Progress celebrations
Credit Score Simulator
See how different actions could affect your credit score. Toggle options and watch your projected score change instantly.
Credit Improvement Simulator
See how different actions could impact your credit health. Toggle scenarios to understand what helps and what hurts.
Illustrative only — not a prediction of your score.
Drag to set your real-world starting point — 300–850.
Current
620
Projected
620
This is a simulated Credit Health Score — not your real credit score.
Toggle the actions below to see how they affect your credit
What happens if you…
Toggle actions to see their impact on your score
This is a simulated Credit Health Score — not your real credit score.
Your starter credit plan
Generic starter planA free generic plan to get you moving — gets more tailored as you explore.
Your starter credit plan
Generic starter planA free generic plan to get you moving — gets more tailored as you explore.
Ready to Start Your Credit Repair Journey?
Get a personalized action plan tailored to your goals. It only takes a few minutes.