Free tools

Tools for your credit check-up

Calculators and letter generators that do the work in seconds. No sign-up, and nothing you type leaves your browser.

Pay for delete letter generatorFill in the blanks and get a ready-to-send letter to a collector.Open the tool
Letter of explanation generatorA short, clear letter for your mortgage lender in about a minute.Open the tool
When will it fall off my credit report?Late payments, collections, inquiries, bankruptcies: see the month each one drops off.Open the tool
What can I get with my credit score?Enter a score and see its range, mortgage options and auto loan tier.Open the tool