Free · Takes 2 minutes
Know Your
Credit Path
Answer 7 quick questions and we'll build a personalized plan — DIY guides, dispute letters, or full done-for-you service.
Step 1 of 7
Step 1 of 7
Let's start with you
We'll send your personalized plan to your inbox — no spam, ever.
Step 2 of 7
What's your estimated credit score?
A rough range is fine. Select "I don't know" if you haven't checked yet.
300 – 499Severely damaged — significant negative history
Damaged
500 – 579Poor — collections, charge-offs, or bankruptcy likely
Poor
580 – 619Fair — limited or recovering credit history
Fair
620 – 659Below average — can improve with the right strategy
Below Avg
660 – 699Average — room to grow into the good range
Average
700+Good to excellent — looking to optimize further
Good
I don't know my scoreWe'll help you find out where to start
Step 3 of 7
What's on your credit report?
Select all that apply — your best guess is fine if you haven't pulled your reports yet.
Late Payments30, 60, or 90+ days late on an account
Collection AccountsDebt sold or sent to a collection agency
Charge-OffsAccount written off as a loss by the creditor
Medical DebtHospital, doctor, or healthcare provider bills
BankruptcyChapter 7 or Chapter 13 filing on record
RepossessionVehicle or property repossessed by lender
Student Loan IssuesDefault, deferment, or delinquency on student loans
Identity Theft / FraudAccounts or inquiries you don't recognize
Too Many Hard InquiriesMultiple credit pulls lowering your score
Not sure / Haven't checked yetWe'll guide you on how to pull all three reports
Step 4 of 7
How many negative items are on your report?
An estimate across all three bureaus is fine.
1 – 2 itemsVery manageable — DIY often works well here
3 – 5 itemsModerate — a solid strategy makes a big difference
6 – 10 itemsComplex — professional guidance often speeds results
More than 10Extensive — professional intervention usually recommended
Not sureWe'll help you count and categorize everything
Step 5 of 7
What's your main credit goal?
This helps us point you to the fastest path forward.
🏠 Buy a HomeMortgage or refinance
🚘 Buy a CarAuto loan financing
🏚 Rent an ApartmentPass a rental background check
💼 Business CreditFunding, LOC, or business cards
💳 Get ApprovedBetter cards or personal loans
📈 Improve My ScoreGeneral credit health
Step 6 of 7
How soon do you need results?
Urgency helps us match you with the right level of support.
As soon as possibleI need results within 1 – 3 months
Within 6 monthsI have a specific application or event coming up
No rush — I want to do it rightI'm willing to be patient and build properly
Just exploring my optionsI want to understand what's involved first
Step 7 of 7
How involved do you want to be?
There's no wrong answer — just what fits your life and budget.
I want to do it myselfGive me the guides and letters — I'll handle it. I like being in control.
I'd like guidance but want to stay involvedI want to learn the process but have expert backup along the way.
I want a professional to handle everythingMy time is limited — I want experts to do the work for me.
I'm not sure yetHelp me figure out what's best for my situation.
Your Personalized Plan
Your Credit Roadmap
Based on your answers, here's the best path forward.
Your Credit Profile
Score Range
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