Not sure where to start?
Debt Next-Step Finder
Answer four quick questions and get a focused next step based on urgency, affordability, collector contact, and court deadlines.
- About 2 minutes
- No account numbers needed
Private browser-based tools
Credit & Debt Tools
Start with what is happening today. Each tool handles one job and points you toward a practical next step.
Choose a tool
These tools are for you if: you want help making one decision without turning over account numbers or signing up.
Choose by task
What do you need to do?
Pick the tool that matches the problem in front of you. If you are unsure about a debt, start with the finder.
Understand a credit issue
Decode why credit was denied, interpret a bureau response, or test whether a credit-removal promise matches the facts.
About 4 minutes
Adverse Action Notice Decoder
- Best when
- An adverse-action, pre-adverse-action, denial, or less-favorable-terms notice.
- You’ll get
- The decision context, named reporting company, source record to request, and next step.
About 3 minutes
Credit-Report Dispute Results Decoder
- Best when
- A credit bureau responded to a dispute, did not respond, or restored a deleted item.
- You’ll get
- An explanation of the result, fields to compare, records to keep, and links to relevant next steps.
About 3 minutes
Credit Sweep Claim Checker
- Best when
- Someone claims a late payment, collection, identity-theft account, old item, paid collection, or charge-off can be deleted.
- You’ll get
- A fact-specific verdict, evidence checklist, promise limits, scam signals, and a dispute or recovery route matched to the stated facts.
Build a realistic financial plan
Protect essentials, organize debt details, model a payoff date, or work backward from a mortgage application.
About 7 minutes
Bill Priority Planner
- Best when
- Cash on hand will not cover every bill or basic need due before the next income date.
- You’ll get
- A today, this week, and later action list with call scripts, matching official help, and the amount still uncovered.
About 5 minutes
Debt Account Organizer
- Best when
- Balances, due dates, and account statuses are scattered.
- You’ll get
- A private working list with totals and next-step prompts.
About 5 minutes
Debt-Free Date Calculator
- Best when
- Current balances, APRs, minimums, and a realistic total monthly payment.
- You’ll get
- A debt-free month, strategy comparison, setback estimate, and printable tracker.
About 10 minutes to start
90-Day Mortgage Readiness Planner
- Best when
- A target mortgage application date and time to review the weekly plan.
- You’ll get
- Editable target dates, weekly checks and notes, plus printable and downloadable copies.
About 12 minutes to start
Six-Week Rental Application Planner
- Best when
- A target application date and the details you can gather from each property.
- You’ll get
- A private, printable plan with a screening inventory, document packet, fee comparison, strategy, and denial response.
About 15 minutes to start
Six-Week Auto Financing Planner
- Best when
- A target purchase date, a monthly transportation limit, and any vehicle or financing quotes you already have.
- You’ll get
- A private plan with an affordability worksheet, three-offer comparison, written-price request, contract checklist, and stop paths.
Prepare for a debt conversation
Prepare an issuer call, check a collector, or review a settlement offer before agreeing or paying.
About 3 minutes
Hardship Call Script
- Best when
- A payment is late, about to be late, or unaffordable.
- You’ll get
- A call script you can copy, edit, and download.
About 4 minutes
Collector Details Check
- Best when
- A collector, debt buyer, or collection firm contacted you.
- You’ll get
- A review of missing core details before you decide to pay.
About 6 minutes
Debt Settlement Offer Checker
- Best when
- A creditor, collector, or debt buyer sent a settlement offer.
- You’ll get
- The offer percentage, missing agreement terms, risk warnings, and a downloadable record.
Respond to exposed or misused information
Freeze all three credit files, then open the FTC steps for a data breach or identity theft.
Time varies by situation
Credit Freeze & Identity-Theft Checklist
- Best when
- You want a preventive freeze, received a breach notice, or found activity that is not yours.
- You’ll get
- A checklist with three freeze links, FTC response steps, and report-correction resources for confirmed misuse.
Before you begin
Focused help, with clear limits
- Private by design Entries stay in your browser unless you download a file.
- No login required Use any tool without creating an account or sharing account numbers.
- Educational, not professional advice Court deadlines, state law, taxes, and bankruptcy can require qualified help.