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 Credit Reports

Report allows you to request a free credit file disclosure, commonly called a credit report, once every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion.

At Credit Karma, you can get a truly free credit score with no hidden costs or obligations. That’s right, no credit card is required and there are no strings attached. Return as often as you like and use their services to track your credit file and stay informed.

Debt Repayment Tools


Access the Compass- Calculators. Each calculator includes save-friendly (and printable) graphs, charts and timetables to help keep you on track. These calculators will help you formulate a plan to:

Snowball your debt

Pay off your car

Pay off your home



Ready For Zero is a free online financial tool that lets you track your credit card debt, explore options, and make and follow a plan to eliminate it. This is a gimmick-free program, not a debt settlement or similar service.

Collects all your debt info in one place, automatically and securely.

Customize a program that works for you and crunch the numbers.

Gives you legitimate options that work for your situation.

Credit Counseling


ClearPoint has been providing free budget, debt and housing advice to cash-strapped consumers for over 40 years. Their certified credit counselors will work with you one on one to create a personalized action plan designed to help you get your financial life back on track.