Credit repair is a
do-it-yourself
game.
The FCRA, FDCPA, and CFPB give you powerful rights. These tools translate the law into specific actions — with citations, letters, and real math for your situation.
Big credit repair companies charge $79–$149/month to do things you can do yourself in an afternoon. We built this so you don't have to pay them.
All 15 Free Tools
Each tool gives you a specific, actionable output — not generic advice.
Is your debt even legally collectible?
State + debt type → actual statute of limitations with citations.
See your credit report clearly.
Plain-English breakdown of every item, flag, and scoring factor.
Model your score before you act.
See how paying down a balance or disputing an item shifts your score.
Tune your utilization like a pro.
Exact dollar amounts to cross the 10%, 20%, and 30% thresholds.
Map your fastest road to zero.
Avalanche vs. snowball with your real balances — see the savings.
When does this item vanish forever?
Exact date each negative mark disappears under the 7-year rule.
Many medical debts can't touch your score.
Check if a medical collection is reportable under new CFPB rules.
Negotiate from a position of knowledge.
Settlement amounts + tax & credit impact vs. paying in full.
Rate shop without tanking your score.
Map hard inquiries to 12-month windows to minimize score impact.
Ready for a mortgage? Find out now.
Your DTI ratio + the exact paydowns needed to qualify.
Forge a dispute they can't ignore.
Bureau-specific FCRA letters with exact legal language for your item.
Demand proof before you pay anything.
FDCPA § 809 validation letter — they must verify or cease collection.
Sometimes a human touch works.
Goodwill adjustment request for on-time customers with one late.
Pay only if they erase it first.
Pay-for-delete letter — structured to protect you if they renege.
Know your odds before you file.
Probability your dispute succeeds — by item type, bureau, and age.
How it works
Your state, your balance, your account age. Not hypotheticals — your situation.
The tool applies the law or formula to your data. A number, a date, a verdict — not a maybe.
Download the letter. Copy the statute citation. Print the dispute script. Ready to send.
Not a Credit Repair Organization. credit-repair.org is a free educational software publisher. We do not charge fees, collect payment, or act on your behalf. All information is educational only. CROA Disclosure →