Learn it. Play it.
Own your credit.
Short, interactive activities that teach how credit, the FCRA, the FDCPA, and smart money habits actually work—so you can make confident decisions.
FCRA Rights Explorer
Flip through your core rights under the Fair Credit Reporting Act, then test yourself.
Start Course · progress savedCredit Academy Classes
A self-paced course on credit, disputes, and building strength. Track your progress.
Start Scenario gameSpot the Violation
Read real debt-collector scenarios and decide what crosses the FDCPA line.
Start Live simulatorCredit Score Simulator
Move the sliders and watch what actually drives a credit score.
Start CalculatorUtilization Calculator
See your credit-utilization ratio and the smart targets, in real time.
Start Searchable referenceLegal Code Explorer
Search the FCRA, FDCPA, FCBA, ECOA, and UCC in plain language.
Start Strategy simulatorDebt Payoff Simulator
Snowball vs. avalanche—see which strategy clears your debt faster and cheaper.
Start Interactive toolkitCredit Rebuilding Toolkit
Repair is not just deletion. Build positive credit with proven tools—track which ones you’re using.
Start True/false gameCredit Myth Buster
True or false? Bust the credit myths that cost people money.
StartEducational only. These activities explain how credit and consumer-protection laws generally work. They are not legal or financial advice, and no outcome is guaranteed. For your own case, use your secure portal or speak with a qualified professional.