🛠️

Multi-Card Management Tools

Everything you need to manage all your credit cards in one place, prevent mistakes, and build credit faster.

💳

Secured Card Finder

Sky+

Find the best secured credit cards for building or rebuilding credit. Compare deposits, fees, and features.

Explore Cards ->

📝

Dispute Letter Generator

Sky+

Generate professional credit report dispute letters instantly. 609 disputes, goodwill letters, fraud disputes, and more.

Generate Letters ->

🛟

Emergency Fund Planner

Orbit+

Build a $500-$1,000 safety net to prevent credit disasters. Calculate your savings plan and timeline.

Plan Your Fund ->

📞

Collections Settlement Coach

Orbit+

Expert strategies to negotiate, settle, and remove collections from your credit report. Pay-for-delete scripts included.

Get Coaching ->

📊

Score Impact Simulator

Orbit+

Predict how different actions will affect your credit score. See the real impact before you act.

Run Simulation ->

💧

Smart Payment Planner

Orbit+

Optimize your payment strategy: avalanche vs snowball. Get the fastest path to debt freedom.

Optimize Payments ->

📈

Progress Visualization

Nebula+

Track your credit rebuilding journey with beautiful, interactive charts. See your progress over time.

View Progress ->

📐

Utilization Calculator

Free

Calculate your credit utilization across all cards. Learn the ideal percentage to maximize your score.

Calculate Now ->

🧮

Payment Timing Calculator

Sky+

Find the perfect time to make payments for maximum credit score impact. Never miss the optimal window.

Optimize Timing ->

💸

Debt Payoff Calculator

Sky+

Create a personalized debt payoff plan. Compare avalanche vs snowball strategies and see your debt-free date.

Plan Payoff ->

🎯

Credit Mix Analyzer

Orbit+

Analyze your credit mix and get recommendations to diversify your credit profile for a higher score.

Analyze Mix ->

✅

Credit Habits Tracker

Orbit+

Build positive credit habits with daily check-ins and streak tracking. Make good habits automatic.

Track Habits ->

🚀 Want access to all tools?

Upgrade your plan to unlock more powerful tools and features!

Sky Tier

Free • 2 tools

✓ Secured Card Finder
✓ Dispute Letter Generator

Orbit Tier ⭐

$19/month • 5 tools

✓ Everything in Sky
✓ Emergency Fund Planner
✓ Collections Coach
✓ Score Simulator
✓ Payment Waterfall

Unlock Orbit Tools →

Nebula Tier

$39/month • 6 tools

✓ Everything in Orbit
✓ Progress Visualization

Unlock Nebula Tools →

🏢 Need team access? Check out Galaxy (Enterprise) with unlimited cards and team management.

🎓 Not sure which tool to use?

Our AI chatbot Trusty can help you choose the right tools and answer questions about credit rebuilding.

Chat with Trusty AI ->