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Understand your credit. Organize your records. Protect what is yours.

OUR MISSIONHelp everyday people understand credit, keep their records in order, and take the next step with confidence.

Plain-English help for credit reports, disputes, fraud protection, and debt — free tools first, and nothing to sign up for.

Group Sessions — learn together

Small, friendly groups on credit basics, reading your reports, and rebuilding after a hard time. Join one or propose your own.

More with Paid

Paid adds your credit action file, a dispute evidence packet, a letter library, a debt payoff planner, and My File to save and bring back your work.

See Paid →See everything Free →

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Please read

CreditReady is education and organization. It is not a lender, a credit repair company, a financial adviser, or a law firm, and it never promises a score. For advice about your own situation, talk with a nonprofit credit counselor or a qualified professional. Information comes from the CFPB, the FTC, and AnnualCreditReport.com.

DIY Hub Map (Do It Yourself)

THIS PAGEAll of CreditReady at a glance, organized by topic.

Everything in CreditReady on one page. Look for it yourself, or ask the AI Specialist where to find it.

Free credit tools that work today

THIS PAGEUnderstand it, organize it, protect it, and find help.

Know where you stand. No email, no sign-up. Four boards — tap a board name to jump to it. Print anything you make.

FREE
① Understand② Organize③ Stay Safe④ Get Help

① Understand

Understand Your Credit

The words, the factors, your free reports, and a simple credit-use calculator.

② Organize

Organize Your Records

A report checklist, a dispute organizer, and a worksheet for payment due dates.

③ Stay Safe

Protect Yourself

Freezes and fraud alerts, what to do if your identity was stolen, and how to spot a credit repair scam.

④ Get Help

Find Real Help

Questions to ask, and free or low-cost places to turn.

Group Sessions — learn together

Small, friendly groups on credit basics, reading your reports, and rebuilding after a hard time. Join one or propose your own.

Your credit, organized in one place

THIS PAGESet it up once. Work your plan. Save your file.

Stay on track. $19.95 a month plus a $20 one-time setup. Four boards — tap a board name to jump to it. Download your file and bring it back any time. We keep nothing.

Set up once. CreditReady does the rest.

Tell CreditReady your goal one time. Your summary and file use it.

① My Plan② Workspaces③ Money & Reports④ Voice & File

① My Plan

My Plan

Your goal, your steps, and your reminders — in one file.

Group Sessions — learn together

Small, friendly groups on credit basics, reading your reports, and rebuilding after a hard time. Join one or propose your own.

② Workspaces

Workspaces

Compare your three reports, keep your dispute proof, and fill in letters.

③ Money & Reports

Money & Reports

Plan a payoff, print a summary for your counselor, and see what monitoring is.

④ Voice & File

Voice & File

Talk with the Specialist by voice and save or bring back your file.

Shop Smart

THIS PAGECredit-protection gear and help, researched for you.

Most credit help is free. Before you buy anything, we tell you what you need, what to look for, and what to skip. Free for everyone.

FREE
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Two ways to shop

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We do the shopping research for you

Before you spend a dollar: do you even need it? What should you look for? How do the options compare?

🛍️ Shop by aisle

Tap an aisle for what you really need, what to look for, what to skip, and three picks.