Built for US credit reporting rules — FICO and VantageScore models, US bureaus onlyWe are not a lender and not a credit repair company — we explain the mechanicsNo score increase or timeline is ever promised here, because no one can promise oneDisputing an error on your report is free through the bureaus directlyEvery calculator runs in your browser — nothing you enter is stored or sent anywhereNo email required to use any of the calculatorsBuilt for US credit reporting rules — FICO and VantageScore models, US bureaus onlyWe are not a lender and not a credit repair company — we explain the mechanicsNo score increase or timeline is ever promised here, because no one can promise oneDisputing an error on your report is free through the bureaus directlyEvery calculator runs in your browser — nothing you enter is stored or sent anywhereNo email required to use any of the calculators

Free download

The US Credit-Building Worksheet

A short, practical guide for anyone working on their US credit — a fillable tracking worksheet, the questions to ask before opening a rebuilding tool, and where to check official information for free.

A worksheet to track utilization and payment history month by month
The exact questions to ask before opening a secured card or credit-builder loan
A plain walkthrough of the free dispute process
Links to official US sources for further reading

No payment, no account, no waiting for an email — the PDF downloads the moment you submit.

Calculators Free kit