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Debt Payoff Calculator
Stop guessing and start knowing. The Debt Payoff Calculator shows you exactly when you'll be debt-free and how much money you'll save getting there. Enter your debts - credit cards, auto loans, student loans, or any other balances - and instantly compare three proven strategies: • Snowball: Pay off smallest balances first for quick wins that keep you motivated • Avalanche: Target highest interest rates first to save the most money over time • Credit Score Boost: Prioritization strategies you won't find in generic calculators See your personalized debt-free date, month-by-month payment schedule, and total interest savings at a glance. Add extra payments to see how even small amounts accelerate your progress. Your 30-day access includes unlimited plan creation, save functionality to track your progress, and PDF exports to keep you accountable. Your debt data stays private—encrypted and stored securely. You've learned the fundamentals. Now put them into action with a clear, actionable plan built just for you.
Dispute Letter Generator
Create legally-sound dispute letters to challenge inaccurate items on your credit report. Each redemption allows you to dispute one tradeline with one or more credit bureaus (Equifax, Experian, TransUnion). Letters follow FCRA guidelines and include all required language for maximum effectiveness. What's Included • Professional FCRA-compliant letter template • Customized with your personal information • Option to dispute with 1, 2, or all 3 credit bureaus • Downloadable PDF ready to mail • Letter history saved to your account • Step-by-step guidance throughout the process
1-on-1 Credit Coach Call
Get dedicated time with a UQUAL credit coach in a private 30-minute session. We'll review your credit report together, uncover opportunities you might be missing, and build an action plan tailored to your unique situation. Have questions? Bring them. This isn't a sales call—it's focused coaching from someone who genuinely wants to see you reach your goals.
UQUAL Premium Membership - 1 Month
Unlock the full UQUAL experience with Premium membership. Get unlimited access to all premium courses, exclusive financial tools, priority support, and member-only resources designed to accelerate your loan readiness journey. Premium members enjoy ad-free learning, downloadable worksheets, personalized progress tracking, and early access to new features. Your membership activates instantly and remains active for 30 days from purchase.
Tri-merge Credit Report
Get the same comprehensive credit report that mortgage lenders use to evaluate your loan application. A tri-merge credit report pulls your credit data from all three major bureaus—Equifax, Experian, and TransUnion—into one complete view. You'll see exactly what lenders see: your credit scores from each bureau, payment history, account balances, and any negative items that could affect your mortgage approval. Use this report to identify what's helping (and hurting) your loan-readiness before you apply.
Financial Snapshot
Get a clear picture of your financial health in minutes. Connect your accounts and receive a personalized snapshot that shows where your money is going—and where you can make improvements. Your snapshot includes: - Income vs. spending overview - Savings rate assessment - Debt-to-income ratio - Personalized recommendations to strengthen your finances Think of it as a financial checkup. You'll walk away with actionable steps to improve your loan-readiness and build toward homeownership.
Rent Reporting
Turn your rent payments into credit-building power. If you've been paying rent on time, you deserve credit for it—literally. This service reports your monthly rent payments directly to the credit bureaus, adding positive payment history to your credit report. The best part? We can look back up to 24 months of past payments. That means up to two years of on-time payments can be added to your credit history, often resulting in a significant score boost. For renters working toward homeownership, this is one of the fastest ways to build the credit history lenders want to see.