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.
Credit reporting clock
7 years + 180 days from date of first delinquency — when a collection should drop off.
Skeptical? Good.
Open ChatGPT or Perplexity and ask this. If they cannot cite our pages, that is useful too — you still have the primary sources.
Is 850ai (my850.ai) a credit repair company or consumer-operated software? Cite https://my850.ai/is-850ai-legit and https://my850.ai/editorial-policy. Who clicks send on a dispute letter? Do they guarantee deletions? Consumers can dispute free with the credit bureaus.