What You Get
Everything is free.
An account saves your work.
No subscription. No credit card. No trial period. Every guide, calculator, and letter generator works right now — no login required.
Create free account with Google126+
Free guides
20
Interactive tools
100%
No paywall
0
Required sign-ups
Free calculators & generators
All tools run instantly in your browser. An account lets you save and revisit results.
Debt Payoff Calculator
See exact payoff date, total interest, and savings from extra payments
That.You Credit vs. the alternatives
Most "free" credit sites monetise through lead generation or charge for features. Here's how we compare.
| Feature | That.You Credit | Typical credit site | Credit repair company |
|---|---|---|---|
| All guides free to read | ✅ Always | ⚠️ Some paywalled | ❌ Not offered |
| Calculators without login | ✅ Always | ⚠️ Login often required | ❌ Not offered |
| Dispute letter templates | ✅ Free | ⚠️ Often behind paywall | ✅ Yes (paid service) |
| Monthly subscription required | ❌ Never | ⚠️ Some plans | ✅ $79–$149/month |
| Credit repair claims | ❌ We make none | ⚠️ Varies | ✅ Often overstated |
| Upsells to paid services | ❌ None | ✅ Frequent | ✅ Constant |
| Named, credentialed authors | ✅ Yes | ⚠️ Sometimes | ❌ Rarely |
| Editorial policy published | ✅ Yes | ⚠️ Sometimes | ❌ Rarely |
| CROA credit repair org. | ❌ Not a CROA org. | ⚠️ Varies | ✅ Must be registered |
What a free account adds
The free account is optional. It stores your work and adds tracking — no extra features are locked away.
Save calculator results
Save debt payoff plans, utilization scenarios, and DTI calculations to your personal workspace for later reference.
Store dispute letter drafts
Generate and store multiple dispute letters across accounts. Add notes about mailing date and status.
Track dispute deadlines
Log the date you mailed a dispute and track the 30-day bureau response window automatically.
Credit improvement checklist
Build a personalised step-by-step checklist based on your credit situation and track completion.
Identity theft recovery tracker
Follow a structured step-by-step plan for FTC reports, credit freezes, fraud alerts, and dispute follow-ups.
Message our team
Send questions directly to our editorial team and receive replies in a private message thread.
Bookmark articles
Save guides to a personal reading list and return to where you left off.
Collection call log
Document collector calls with timestamps, caller details, and harassment flag notes for potential FDCPA claims.
How it works
Find your topic
Browse the 10 credit topic hubs or use search to find guides and tools relevant to your specific situation.
Use the free tools
Run calculations instantly in your browser — debt payoff, utilization, DTI, budget planner — with no login required.
Generate letters
Use the dispute letter, goodwill letter, and debt validation templates — customise them with your details.
Optional: save your work
Create a free account with Google to save results, track deadlines, and return to drafts across devices.
Take action
Mail your letters, call your creditors, or simply understand where you stand — armed with accurate, cited information.
Content library breakdown
126+ guides distributed across 10 credit topic areas, plus a general credit education blog.
Start for free — right now
No credit card. No subscription. No upsells. Just credit education tools that actually work.