Free Tools
Four free tools, no sign-up. Each one runs in your browser, and nothing you type is sent to us or saved.
- Credit Report Removal Date Calculator — Enter your date of first delinquency and see when a collection or charge-off typically comes off your report, and the legal outer limit.
- Validation Deadline Calculator — Estimate the last day to dispute a debt in writing and force the collector to pause.
- Which Letter Should I Send? — Answer a few questions and get pointed to the right next step.
- Collector Call Log — A printable, downloadable log for documenting every call, letter, and text.
These tools give estimates based on federal rules. They aren't legal advice, and the dates printed on your own documents always win.
All free tools
Credit Report Removal Date Calculator
Enter the month you first fell behind on the original account.
Use the free tool →Validation Deadline Calculator
Enter the date on the collector's validation notice (or the date you received it) to estimate the end of your 30-day validation period.
Use the free tool →Which Letter Should I Send?
Answer up to six questions.
Use the free tool →Collector Call Log
Fill in a row each time a collector contacts you, then print it or download a CSV.
Use the free tool →