Credit Tools
Two tools that do real math on your numbers — a utilization calculator and a dispute priority planner. Everything runs in your browser. Nothing is uploaded, sent, or stored.
Unlock the free tools
The utilization calculator and dispute priority planner open right here. Nothing is downloaded, and the numbers you enter never leave your browser.
Just want to learn first? Credit 101 is open to everyone — no email needed.
What’s your utilization?
Utilization is about 30% of your FICO score — the single fastest lever most people have. Enter each card’s balance and limit to see where you stand and exactly how much to pay down.
Add a card above to see your numbers.
This is a calculator, not a score prediction. Utilization is one factor among several, and scoring models weigh it differently. Individual results vary.
What should you dispute first?
Answer four questions about one item on your report. You’ll get where it belongs in your sequence and which part of the FCRA applies.
General education based on the FCRA — not legal advice, and not a prediction of any outcome. We Not Me Financial Group is not a law firm.
Want the full toolkit?
Dispute letter templates, the bureau pull chart, and the Credit 101 modules — all free.