🔧 Free Credit Tools

6 Tools to Understand
Your Credit

Interactive calculators and simulators — no signup, no email, no cost. Just answers.

6
Free Tools
$0
No Signup
All 50
States Covered
∞
Unlimited Uses

Standalone deep-dive tools

🔢
Credit Utilization Calculator
Multi-card breakdown, ratio rating, and paydown plan.
Open Full Tool →
 ⚖️
Debt SOL Checker
All 50 states + D.C. — can they still sue you?
Open Full Tool →
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FTC Banned Collectors List
170+ companies banned by federal court order.
Search the List →

Use right here — no page reload needed

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Credit Score Estimator

Answer 5 questions about your credit habits to get an estimated score range and your top improvement lever.

Payment history 35%
Utilization 30%
Credit age 15%
Credit mix 10%
Hard inquiries 10%
🛡️
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See Your Real Score — IdentityIQ
3-bureau monitoring + identity theft protection.
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💸

Debt Payoff Calculator

See exactly when you'll be debt-free and how much interest you'll save by adding extra payments.

$
$
$
Payoff date (current payments)—
Total interest you'll pay—
Adding extra payment — saves —
New payoff date—

📅

Credit Repair Timeline

How long will it realistically take to hit your target score? Get a personalized month-by-month roadmap.

    🏗️
    Credit Builder
    Kikoff — Start Building Credit
    No hard pull. Reports to all 3 bureaus. $5/month.
    Get Started →
    🧮

    Score Impact Simulator

    What happens to your score if you miss a payment, open a card, or pay off a collection? Simulate before you act.

    Before
    →
    After (est.)
    Change

    Educational use only. These tools produce estimates based on FICO® scoring models and general financial principles. Actual scores vary by bureau, model version, and individual credit profile. This is not financial or legal advice.