Use these free Fix My Money Life tools to turn a credit or debt question into a concrete next step. The calculators are designed for planning and education, and the checklist helps you organize real credit-report information before you act. None of the tools predicts a credit-score increase, approval, or dispute outcome.
Credit utilization calculator
Enter the balances and limits shown on your credit reports to estimate your overall and per-card utilization ratios. The tool also shows the balance needed to reach illustrative 30% and 10% levels without treating either number as a guaranteed scoring cutoff.
Use the credit utilization calculator →
Credit card payoff calculator
Estimate how long a credit-card balance may take to pay off with a fixed monthly payment. Compare the modeled payoff time and interest cost with what happens if you add $50 per month. Use your issuer’s actual statement and terms for decisions—the calculator is a simplified planning model.
Use the credit card payoff calculator →
7-step credit report cleanup checklist
Print a structured checklist for reviewing Equifax, Experian, and TransUnion reports, identifying a specific reporting problem, gathering relevant evidence, tracking a dispute, and checking the result. The checklist is built for genuine inaccuracies or incomplete information, not for disputing accurate negative history simply because it hurts a score.
Open the printable credit report checklist →
Goodwill letter builder
If an isolated late payment is accurate and the account is current, use the goodwill letter template and builder →. This is a voluntary request to the creditor, not a credit-bureau dispute and not a guaranteed removal method.
Credit-score recovery timeline finder
If you are trying to estimate what must happen before your score can improve, use the credit-score recovery timeline finder →. It separates faster-moving balance updates from disputes, accurate late payments, collections, charge-offs, and thin credit files.
Which tool should you start with?
| Your question | Start here |
|---|---|
| How much of my card limits am I using? | Credit utilization calculator |
| How long could this card balance take to repay? | Credit card payoff calculator |
| Something on my credit report looks wrong | Credit report cleanup checklist |
| An accurate isolated late payment is hurting my report | Goodwill letter builder |
| I want to know what must happen before my score can recover | Credit-score recovery timeline |
Read the guide that matches the problem
Tools are most useful when paired with the right context. Browse our credit score guides, credit reports and disputes guides, or credit cards and utilization guides for the rules, limitations, and next steps behind the numbers.
These tools provide general educational information, not individualized financial or legal advice. Verify current account terms, credit-report data, deadlines, and official instructions before acting.