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Credit Tools

Improve Your Credit Score (Rating) With Our Free Tools

Learn how to improve your credit score (rating) by using these free tools and best practices. We've provided credit counseling and advice for Indianapolis families for years, helping many improve their bad credit and overall financial health.

  • Credit Check-Up (PDF) -  Complete the information on this form and submit it to us and we will evaluate your credit and provide you with steps you may need to take to improve your credit for the future.

  • Debt-To-Income Ratio (PDF) – When you apply for credit, the lender calculates your debt-to-income ratio in order to determine whether you can afford the payment on the loan you are applying for. This tool allows you to calculate your own debt-to-income ratio.

  • Three Steps to Improve Credit (PDF) – Your credit score affects whether you will be approved for credit when you need it and how much you pay for credit. Do you need to improve your credit? This tool helps point you in the right direction.

  • Assessment Tool (PDF) - This is a good place to begin in your quest to become more financially healthy. This assessment is simple to complete and you can score it yourself. Once you have done so, it will provide you with comments and information to help you understand which of the range of financial health topics you should be focusing on.

Do you want to become financially responsible?

We are here to help you!

Contact Us Today!