Free credit tools
Know where you stand, no sign-up needed
Two quick tools to see how close you are to your next goal and what is weighing on your score. Nothing you enter leaves your browser.
Tool 1
Credit readiness checker
Pick a goal and your score range to see which milestones are in reach.
For education only. These are commonly published minimums and score tiers, not an offer of credit or a prediction of approval. Every lender sets its own requirements and also looks at income, debts, down payment and history. Credit Catalyst Labs does not provide credit repair services or make loans.
Tool 2
Credit utilization calculator
Utilization, how much of your available credit you are using, is one of the biggest factors in your score and one of the fastest to change.
For education only. Scoring models weigh both overall and per-card utilization, so keeping each card low helps too.
Ready to see what is holding your credit back?
Start with a free, no-pressure review from a vetted credit specialist. Requesting one takes about two minutes.
Free for you. No obligation. No pressure.