Start your journey to financial strength
Build unstoppable credit.
Tell BuffYourCredit about your accounts. Get an honest estimate, the exact reasoning behind it, and the next move most likely to raise it.
No hard inquiry · No SSN · 100% free
Example profile · estimated684
BandGood
Top leverUtilization
Plan length6 steps
§ 01
Free tools, open to anyone.
No account, no email, no personal data. The same engine that powers the full plan.
All nine calculators →§ 02
The method, in four honest steps.
1
Describe your credit
Accounts, balances, payment history. You type it, you control it. No bureau pull.
2
Read your roadmap
Every action ranked by estimated gain, effort and time, with the math shown.
3
Check in each month
Log what changed. The plan updates itself and your history grows.
4
Fix what’s wrong
Generate dispute letters for report errors and keep every response in your vault.
§ 03
Free. Actually free.
- Estimated score with the full math
- Ranked roadmap with estimated gains
- Score simulator
- Monthly check-ins and history
- Goal tracker
- Dispute letter generator (PDF)
- Private document vault
- Every learning track and badge
- All nine calculators