Letter generators, calculators, and readiness checklists — all open-source, all free. No account required. No data stored on our servers. Everything runs in your browser.
Generate FCRA dispute letters for bureau errors — inaccurate, unverifiable, identity theft, obsolete debt, or mixed file. Printable, formatted for all three bureaus.
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// tool 02Calculate your credit card utilization ratio — overall and per-card — and see how it impacts your FICO score. Up to 30% of your score depends on this.
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// tool 03Estimate statutory damages for FCRA and FDCPA violations — willful noncompliance, negligent noncompliance, and FDCPA statutory penalties.
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// tool 04Interactive checklist for building business credit — entity setup, EIN/DUNS, banking, tradelines, reporting, and scoring. Track progress with a live score.
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Every tool runs entirely in your browser. No data is sent to our servers, no accounts are required, and no tracking scripts follow you. What you type stays in your browser.
The source code for every tool is inspectable on GitHub. If you don't trust the tool, you can read the code, fork it, or run it locally. That's the open-source deal.