Every lever, in one toolbox.
Seven planners that run on your imported report. Model paydowns, closures, and score moves before you commit a dollar — nothing is charged, paid, or sent from these tools.
Simulate first. Act second.
- Credit utilization planner — the whole picture, then the exact paydown per card.
- Seven tools across all three bureaus, with no hard credit checks.
- Sample data is shown on this page; the tools run on your own imported report.