Free Tool · Credit Health

Know where you stand.
Build what comes next.

A 2-minute self-assessment that gives you a credit health band and a personalized 30/60/90-day roadmap. Everything runs in your browser.

Private by design: nothing you enter is stored or sent anywhere. We never ask for your Social Security number, account numbers, or scores. Refreshing the page clears everything.

Self-assessment

Answer honestly — estimates are fine. Choose "No business yet" for business questions if they don't apply.

01 Payment history

In the last 12 months, how have your payments been?

02 Credit utilization

About how much of your total credit card limits are you using?

03 Age of credit

How long have you had your oldest account open?

04 Credit mix

What types of accounts do you have?

05 New credit

How many credit applications in the last 12 months?

06 Report check

When did you last review all three bureau reports?

07 Specialty files

Have you requested LexisNexis, ChexSystems, and Early Warning disclosures?

08 Business: EIN

Do you have an EIN for your business?

09 Business: bank account

Do you use a dedicated business bank account?

10 Business: D-U-N-S

Do you have a D-U-N-S Number with vendors reporting payments?

Utilization calculator

Add your card balances and limits (round numbers are fine). Nothing leaves this page.

Enter balances and limits to calculate.
Free official reports

Pull every file. Pay nothing.

Checking your own reports doesn't hurt your scores. Use these official sites only — avoid look-alike sites and "free score" upsells.

Equifax · Experian · TransUnionAnnualCreditReport.com — free weekly from each bureau. The only authorized site for the free federal reports.Open official site ↗LexisNexis Consumer DisclosurePublic-record, identity and address history. Free every 12 months; access instructions arrive by mail.Open official site ↗ChexSystems Consumer DisclosureChecking-account history used when you open bank accounts. Free.Open official site ↗Early Warning ServicesBank-to-bank account and payment history. File disclosure is free.Open official site ↗Dun & Bradstreet D-U-N-SGet a free D-U-N-S Number to start your business file. Free tier shows risk ranges, not exact scores.Open official site ↗

Found something wrong? You can dispute inaccurate items directly with the company reporting them, for free. See the CFPB's list of consumer reporting companies and IdentityTheft.gov if you suspect fraud. Keep learning on the blog.