FREE EDUCATIONAL TOOLS

Calculate, organize, and track the next step.

Use these private, browser-based tools without sending us account numbers, credit reports, or sensitive personal information.

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.

PRINT OR SAVE

Consumer checklists

Credit report review checklist

□ Obtain reports from the authorized source
□ Review identity details
□ Compare account ownership and status
□ Check payment history and balances
□ Mark each specific item requiring research

Dispute document organizer

□ Copy of the report with the item marked
□ Chronological fact summary
□ Copies of supporting records
□ Letter and enclosure index
□ Delivery proof and response log

Identity theft action checklist

□ Visit IdentityTheft.gov
□ Create an FTC Identity Theft Report
□ Follow the personalized recovery plan
□ Consider freezes or fraud alerts
□ Save letters, reports, and confirmation numbers

Credit rebuilding tracker

□ Pay every obligation by its due date
□ Track balances and limits monthly
□ Review reports for accuracy
□ Avoid unnecessary applications
□ Record progress without expecting instant results

Verify with official sources

CFPB credit score guidance IdentityTheft.gov