Debt Consolidation
Credit Repair
Credit Builder
Budgeting & Tracking
Editor’s Picks for 2025
Real pros & cons. Clear costs. No pressure.
Debt Settlement
National Debt Relief
For high unsecured balances ($10k+). Negotiates down what you owe and helps you exit faster than minimums.
- Typical program: 24–48 months
- No fees until a debt is settled
- Best when interest & fees snowballed
Credit Repair Service
Credit Saint
Hands-on disputes for inaccurate items. Good fit if you want experts managing the letters & follow-ups.
- Multiple plan tiers; cancel anytime
- Focus on errors & unverifiable negatives
- Pairs well with payment-plan cleanup
Credit Builder
Self Credit Builder
Build positive payment history and a small savings cushion with an installment account reported monthly.
- Low monthly options
- Reports to all three bureaus
- No credit check for most plans
Debt Consolidation
Fixed-Rate Consolidation (Lender)
Replace multiple cards with one fixed monthly payment. Best if your credit score still qualifies for fair rates.
- One payment, fixed payoff date
- Requires credit check & income
Budget & Tracking
Payoff Tracker App
Zero-based budgeting + avalanche/snowball calculators to keep your payoff plan on track.
- Link accounts or update manually
- See progress & interest saved
How to Choose Safely
- Match the tool to your situation: consolidation (good credit), settlement (hardship & past-due), repair (errors only), builder (thin/no file).
- Get total costs in writing: fees, APR, timelines, and any impact to your credit score.
- Avoid pressure: sleep on it, compare options, and start with our free 7-Day Credit Reset for quick wins.
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