Your 12-month plan · month 1
my credit list
One place for your score, the problems on your report, and your payoff plan. Add to it each week.
track your score
Add your score each time you check it. Write down which kind it is, because your app and your lender may not show the same one.
Checked more than one bureau? If you have three scores, lenders use the middle one. If you have two scores, lenders use the lower one. Add that score here.
No scores yet. Add your first one above.
Back to top ↑what's on your report
In week 2, add everything you find on your credit report. In week 3, come back and change each one's status as you deal with it. Each item shows what to do next.
Nothing on your list yet.
Week 3
two things to check off
These protect your score while you fix everything else. Check each box when it's true for you.
Both done. Late payments hurt your score more than anything else, and now you're protected from them.
your payoff plan
Add every debt. Then tell me how much you can put toward debt each month. I put your debts in order, with cards closest to their limit first, and show you what to pay on each one and how long it takes.
Add your debts and your monthly amount to see your plan.
No debts added yet.
Your minimum payments add up to
$0 a month
Keep this number. You use it in month 2 to find your DTI.
Keep a copy
back up my list
Tap the button to copy everything on this page. Paste it into your notes app so you have a second copy.
Your list is saved on this phone. If you clear your browser or switch phones, it won't follow you. That's why the copy helps.