Free Credit Tools

Use these free calculators to understand your credit health. No signup required—just enter your numbers.

Members get the full portal experience

Course modules, dispute templates, trackers, Loan Readiness, and the Loan Options hub.

Credit Utilization Calculator
Enter your credit card limits and balances to see your utilization rate. Aim for under 30%—under 10% is ideal.
Debt-to-Income Calculator
Calculate your DTI ratio—an important factor lenders consider when you apply for credit.

Credit Utilization Ranges

0-10%Excellent
11-30%Good
31-50%Fair
51%+High - Hurts Score

DTI Ratio Ranges

0-20%Excellent
21-36%Good
37-43%Fair - May limit options
44%+High - Difficult to qualify

Members Get Way More

These free tools are just the start. Members get full access to our credit rebuilding system including courses, templates, tracking tools, and personalized insights.

  • 9 comprehensive course modules
  • 18+ professional letter templates
  • Phone scripts & dispute trackers
  • Credit insights dashboard

Disclaimer: These calculators are for educational purposes only and provide general guidance. They do not constitute financial advice. Your actual credit score depends on many factors. Consult with a qualified financial professional for personalized advice.

Credit Group

Canadian credit education membership: courses, templates, tools, Loan Readiness, and access to independent third-party financial options.

Contact Us

  • Credit Group Ltd.
  • Email: admin@creditgroup.ca

© 2026 Credit Group Ltd. All rights reserved.

Credit Group provides educational credit tools, readiness guidance, and access to independent third-party financial options. Credit Group is not a lender, broker, or credit bureau and does not guarantee approval.