Military-connected families are always welcome

FREE TOOLS & VERIFIED DIRECTORIES

Calculate, organize, track, and contact the right company.

Use private browser-based tools without sending us account numbers, credit reports, or sensitive personal information. You can also use the verified directory to reach reporting companies directly.

FREE CALCULATOR

Credit utilization calculator

Estimate overall revolving utilization. This is educational and does not predict a score.

Total reported card balances ($)Total credit limits ($)

25.0%estimated utilization

CFPB notes that experts advise keeping use at no more than 30%, but no single percentage guarantees a score.

FREE DATE PLANNER

Dispute timeline estimator

Estimate 30- and 45-day calendar checkpoints from the date a dispute was received.

Date received

Choose a receipt date to calculate checkpoints.

Actual deadlines can vary. Confirm current law and the facts of your situation.

FREE BORROWING CALCULATOR

Vehicle loan cost estimator

Compare an estimated monthly payment, total interest, and full repayment cost before shopping.

Vehicle price ($)Down payment or trade value ($)

APR (%)Term (months)

$520.99estimated monthly payment

$5,259estimated total interest

$31,259estimated loan payments

This estimate excludes taxes, registration, dealer fees, insurance, warranties, and other charges. An actual offer may differ.

FREE PAYOFF ESTIMATOR

Credit card payoff estimator

See how a chosen monthly payment may affect payoff time and estimated interest when no new purchases are added.

Current balance ($)APR (%)Monthly payment ($)

33 monthsestimated payoff time

$1,450estimated interest

This simplified estimate assumes a fixed APR, fixed monthly payment, and no fees or new charges. Card calculations and minimum payments vary.

FREE EXPLORER MEMBER LIBRARY

Save the detailed checklists for your private learning journey.

The credit-report review, dispute-document, identity-theft, and rebuilding checklists are now organized inside the free member library. Public calculators and official links remain available here without an account.

Become a Free Member Member Sign In

CREDIT REPORTING DIRECTORY

Nationwide credit-report access

Request your own reports without harming your credit scores. If information appears on more than one report, review and address each report separately.

AnnualCreditReport.comFederally authorized source for free reports from Equifax, Experian, and TransUnion.Visit official consumer site EquifaxConsumer credit-report, dispute, fraud-alert, and security-freeze services.Visit official consumer site ExperianConsumer assistance for reports, disputes, freezes, fraud alerts, and identity theft.Visit official consumer site TransUnionConsumer credit help, report disputes, freezes, fraud alerts, and identity protection.Visit official consumer site

BEYOND THE BIG THREE

Specialty consumer reporting companies

Different reports may affect banking, utilities, insurance, housing, employment, identity verification, and other decisions. Start with the company named in an adverse-action notice.

CFPB Company DirectoryThe best starting point for the current nationwide and specialty reporting-company list.Open consumer resources InnovisRequest and review an Innovis personal credit report.Open consumer resources ChexSystemsBank-account screening consumer disclosure and dispute portal.Open consumer resources Early Warning ServicesConsumer file disclosure for banking and payment history information.Open consumer resources LexisNexis Risk SolutionsRequest a consumer disclosure and use available dispute, freeze, or opt-out services.Open consumer resources NCTUETelecommunications, pay-TV, home-security, and utility consumer disclosure services.Open consumer resources

REPORTING COMPANY VS. DATA FURNISHER

They are not the same organization.

A consumer reporting company assembles a report. A furnisher is the bank, credit-card issuer, lender, servicer, landlord, utility, debt collector, or other business that supplied account information. There is no single complete public list of all furnishers.

Identify the source.Use the company name and contact or dispute address shown with the account on the report.
Verify independently.Confirm the address on a statement or the company's official website. Do not rely on unsolicited calls or messages.
Choose the recipient.You may dispute a genuine inaccuracy with the reporting company, the furnisher, or both, depending on the issue.

Read CFPB dispute instructions

Verify with official sources

CFPB credit score guidance IdentityTheft.gov