Free credit report review tools
Calculate utilization, plan a follow-up, and work through a report review checklist.
No signup or report upload required. These inputs stay in this page and reset when you leave. Tool usage events contain no entered balances, limits, dates, or checklist answers.
Credit utilization calculator
Reported balance divided by credit limit, multiplied by 100. This calculation does not predict a credit score.
Enter amounts to calculate.
Dispute follow-up planner
Choose a date and a number of calendar days to plan your next review. This is a personal reminder, not a legal deadline calculation.
Choose a date to begin.
Read the CFPB explanation of dispute timelinesCredit report review checklist
A reporting difference is a reason to investigate; it does not establish which report is accurate. Do not enter personal or account information here.
0 of 5 review steps checked
Keep your review organized
FixMy Credit is for your own reports. FixMy Pro and Scale are for authorized client work. No credit outcome is guaranteed. New paid activation is unavailable and AI processing is a restricted pilot.