Credit Health Tools

Practical Excel spreadsheet tools to help you track, plan, and improve your credit health — starting today. One-time purchase, instant download.

Instant download · No subscription · Works in Excel and Google Sheets
BEST VALUE

Complete Credit Health Bundle

All three tools in one discounted bundle. Everything you need to track your score, dispute errors, and pay down debt — starting today.

✓ Credit Score Planner✓ Dispute Tracker✓ Debt Payoff Tracker
$34.85
$19.95
Save $14.90

Individual tools

Most Popular

Credit Score Planner

$9.95

Track your credit score over time and map out exactly which actions will move it the most. Built around the five FICO factors so you always know where to focus.

✓Monthly score tracking dashboard
✓Factor-by-factor improvement tracker
✓Goal milestone planner
✓Action priority checklist
✓Score projection calculator
Best for: Anyone starting their credit improvement journey or monitoring ongoing progress.
Format: Excel (.xlsx) · Works in Excel and Google Sheets
Best for Repair

Dispute Tracker

$14.95

Log every dispute you file, track bureau responses, record outcomes, and never miss a follow-up deadline. Built around FCRA timelines so you always know your rights.

✓Dispute log with status tracking
✓Bureau response deadline calculator
✓FCRA rights reference sheet
✓Creditor contact organizer
✓Outcome and follow-up tracker
Best for: Anyone actively disputing items or dealing with collection accounts.
Format: Excel (.xlsx) · Works in Excel and Google Sheets

Debt Payoff Tracker

$9.95

Use the avalanche or snowball method to create a realistic debt payoff plan. See exactly how long it takes to pay off each account and how it affects your credit utilization.

✓Avalanche and snowball calculators
✓Account-by-account payoff timeline
✓Credit utilization impact tracker
✓Monthly payment planner
✓Progress dashboard
Best for: Anyone with multiple debts who wants a structured, motivating payoff plan.
Format: Excel (.xlsx) · Works in Excel and Google Sheets
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Instant Download
Get your files immediately after purchase
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Secure Checkout
Payments processed securely via Stripe
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Excel + Google Sheets
Works in both platforms, no software required
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Expert-Designed
Built by a 25-year credit industry veteran

Not sure where to start?

Take our free Credit Health Quiz to find out which areas need the most attention — then we will recommend the right tool for your situation.

Take the Free Quiz First