Every Credit Repair Move,
One Free Toolkit
From checking if a debt is too old to sue on, to forging dispute letters, to modeling your exact debt-free date — pick your situation and go. Each tool runs entirely in your browser.
Debt & Lawsuits
- SOLCheck
Debt Statute-of-Limitations Checker
Is your debt too old to be sued on? All 50 states, 5 debt types.
Use Tool → - SettleSmart
Debt Settlement Calculator
Model realistic settlement offers and the tax impact of forgiven debt.
Use Tool → - ValidateIt
Debt Validation Letter Builder
Force collectors to prove the debt — FDCPA §809(b), in 2 minutes.
Use Tool → - DeletePay
Pay-for-Delete Negotiator
Draft a pay-for-delete offer and know when it is worth asking.
Use Tool →
Disputes & Letters
- DisputeForge
Dispute Letter Generator
Bureau-specific FCRA §611 dispute letters for any report item.
Use Tool → - Goodwill
Goodwill Letter Generator
Request deletion of a late payment on an otherwise-clean account.
Use Tool → - DisputeOdds
Dispute Outcome Predictor
See your estimated odds of removal before you file.
Use Tool →
Score & Report
- ScoreLens
Credit Report Analyzer
Scan your report and flag every disputable negative item.
Use Tool → - ScoreLift
Credit Score Simulator
Model how each action shifts your score — before you act.
Use Tool → - UtilTune
Credit Utilization Optimizer
Exact paydown amounts to hit 10%, 20%, and 30% targets.
Use Tool → - FallOff
When Does It Fall Off?
The exact date each negative item must drop under FCRA §605.
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Plan & Qualify
- PayoffPath
Debt Payoff Planner
Avalanche vs. snowball — see your exact debt-free date.
Use Tool → - DTIReady
Mortgage-Readiness DTI Calculator
Your debt-to-income ratio and what it takes to qualify.
Use Tool → - ShopWindow
Rate-Shopping Window Calculator
Shop multiple lenders without extra hits to your score.
Use Tool →
