Free tools that show their math
Each tool runs in your browser, asks for nothing personal, and explains exactly how it gets its answer. None of them pull your credit.
Plan to the date you apply
Know where you stand
- Score decoderType a score. See its band under each model, the next cutoff, and what it means for loans.
- Middle score finderEnter three bureau scores for one or two borrowers and see the score a mortgage lender will use.
- Score cost calculatorPut a dollar figure on the gap between your score and the next pricing band.
Lower what your cards report
- Utilization plannerEnter your cards and see overall and per-card utilization, plus the exact payment to hit a target.
- Statement date plannerTurn each card’s closing date into a pay-by date, and add the reminders to your calendar.
- Card payoff calculatorSee how long a balance takes to pay off and what the interest costs at any payment.
Fix errors and track what ages off
- Letter builderWrite dispute, goodwill, validation and identity theft letters. Free, printed by you, sent by you.
- Drop-off date calculatorFind the latest date a late payment, collection, or bankruptcy can stay on your reports.
- Inquiry age trackerSee when each hard inquiry stops counting in FICO scores and when it leaves your report.