Your Credit Toolkit
Track your score, optimize the fastest lever (utilization), watch the five factors, and generate a dispute letter. Everything runs in your browser — nothing is sent anywhere.
Utilization Optimizer
Utilization is ~30% of your score and the fastest lever. Add your cards; we'll show what to pay down to hit the targets.
Score Tracker
Log your score whenever you check it. Watch the trend and keep yourself honest.
The Five Factors
What actually moves a FICO score — roughly weighted.
● Payment history — pay on time, every time ~35%
● Utilization — keep balances low ~30%
● Length of history — keep old accounts open ~15%
● Credit mix — a healthy variety ~10%
● New credit / inquiries — apply sparingly ~10%
Biggest fast wins: never miss a payment (autopay the minimum) and get every card under 30% — ideally under 10% — of its limit before the statement closes.
Dispute Letter Generator
Found an error on your report? Generate a mailing-ready dispute letter. You can dispute genuine errors yourself, free.
Payment & Goal Tracking
Payment Planner
Track when each card or loan payment is due. Payment history is 35% of your score — one missed payment stays on your report 7 years.
Set autopay to the minimum on every account — this alone prevents the single biggest score killer.
Score Goal
Set a target score and date. We'll show an honest timeline estimate — no guarantees, just realistic math from your data.
Educational tool — not a credit bureau, lender, or legal/financial advisor. Score impacts are general estimates; your actual score depends on your full report and the model used. Dispute letters are templates for disputing genuine errors under the FCRA — do not dispute accurate information. Timeline estimates reflect typical FICO improvement ranges — actual results vary by profile and are not guaranteed. This app stores everything locally in your browser and sends nothing to any server. For your situation, consult a qualified professional.