Calculator
Total Debt Balance
Cards, personal loans, collections (estimate).
USD
Current APR
If unsure, 18%–29% is common for credit cards.
%
Better APR (What-If)
Scenario only — not a guarantee.
%
Monthly Payment
Must exceed monthly interest to pay off.
USD
Results
Estimated Interest Savings
—
Same balance & payment, comparing APRs.
Estimated Time Saved
—
Difference in payoff time (months).
Current Terms
— to pay off
Total interest: —
Better Terms (What-If)
— to pay off
Total interest: —
Pay Per Removal • No Upfront Fees
You only pay when an item is successfully removed. Choose item type, quantity, and bureaus to estimate total.
$50
Normal: $50 • Public: $100 • Inquiry: $25
Estimated Total (if removal is successful)
$—
Educational estimate only. Real outcomes and timelines vary. No guarantees.