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Credit Sense Credit Repair
Free tools

Use a quick coaching read, then explore the deeper breakdown.

These public tools provide an immediate educational result and an optional coaching breakdown on this page. No email is needed. Results are not saved to an account or sent to Credit Sense.

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What is here now

Start with a quick read, then explore the fuller coaching view.

Each tool shows an immediate result and a fuller breakdown on this page. Results are not saved or sent.

Funding readiness score

Get a calm read on how ready the profile may look right now.

This is an internal coaching score, not a bureau score. It is meant to help someone understand whether the profile looks more stable, needs attention, or should slow down before the next application step.

Immediate result
0
Needs attention

Use the inputs on the left to see an educational readiness score and a calmer read on how stable the profile may look right now.

Basic utilization calculator

See the overall pressure fast, then decide whether you want the smarter card-by-card plan.

The first result shows overall utilization and a simple health read. The deeper view is where per-card targets, healthier thresholds, and payoff-first guidance live.

Immediate result
0%
Needs work

Add the total limit and balance to see a fast educational read on overall utilization and what that ratio usually means.

Coming next

More guided tools are on the way.

These educational tools are part of the client portal. Contact Credit Sense about access.

Estimator

Score improvement estimator

See a possible improvement range, the biggest likely impact area, and a calmer explanation of what may deserve attention first.

Preview

Debt payoff preview

Get a rough payoff timeline and total-paid estimate before deciding whether you want the fuller snowball vs avalanche comparison.

Client portal

Contact Credit Sense about client portal access.

The client portal is separate from these public calculators. Contact Credit Sense to discuss access and the tools available to you.

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