Free tool
Credit & Debt Checkup
Bring your credit cards and debts together to understand your balances, credit card usage, minimum payments, and payoff options.
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Understand what your Checkup is showing you
What this Checkup brings together
The Credit & Debt Checkup gives you one place to look at the balances, credit limits, interest rates, and minimum payments you enter. For credit cards, it can also show how much of your available credit you are using. When you provide enough information, the Checkup can estimate payoff options and show differences between two common ways of paying down debt.
How to read your results
Start with the overall picture, then look at the individual accounts. The Checkup can help you see where your balances are concentrated, which debts have the highest interest rates, how much your required minimum payments add up to, and where a closer look may be useful. The results are based only on the information you enter.
What to keep in mind
This is a snapshot, not a credit report or credit score. Balances, interest rates, minimum payments, and account terms can change. Payoff results are estimates based on the numbers you provide and the calculation rules shown with the results.
Common questions
Does the Checkup pull my credit report?
No. The Checkup works with the information you enter. It does not pull a credit report or calculate a credit score.
What if I do not know an interest rate or minimum payment?
Enter the information you know and use the available “I don’t know” options where provided. You may still get a useful overall picture, but some payoff comparisons may not be available until enough information is entered.