TOOLS
Free tools for checking, not guessing
Three tools that help you record facts and ask precise questions. None of them predicts a score — they help you see what's actually happening.
30-Day Authorized User Score Tracker
Record your baseline, the issuer's answers and what each bureau shows.
Utilization calculator
Single-card and combined utilization, with and without an authorized user account.
Question scripts
Copy-ready questions for issuers, lenders and family members.