Free credit report tools

Review one issue for free. Use FixMy.Money to organize the whole report.

Start with calculators, checklists, and letter helpers for self-directed credit-report work.

Credit Utilization Calculator

Reported balanceCredit limit

18%

Compare reported balances against limits to understand how utilization appears on a report.

Dispute sent or submitted

Estimated 30-day follow-up date

Sep 26, 2026

This is an educational estimate, not legal advice. Actual timelines can depend on delivery, method, and facts.

Draft a starter debt-validation letter from your own facts and review it before sending.

Review common identity, balance, status, duplicate-account, and date issues to investigate.

Prepare dispute correspondence from verified report details and supporting information.