Free tools

Credit calculators you can use without an account

These tools run in your browser. They do not pull your credit file and they do not guarantee a score change. For the full dispute workflow, start free on 850ai — or dispute with the bureaus yourself at no cost.

Credit utilization calculator

Balances ÷ limits, per-card and overall, plus how much to pay to hit 9% or 30%.

Dispute deadline calculator

Estimate the FCRA 30- and 45-day investigation windows from your mail or receipt date.