Diagnose your debt. Compare options today.
A few quick questions, one clear next step. Free, and it never touches your credit score.
Start your financial check-up- Questions1–2
- Time1 min
- Credit pulls0
Take your debt's pulse.
Tap what fits. You'll get a short care plan: a free first step, the right WalletMD tool, and where to get help if you want it.
- 1Check in
Tell us what's going on. No SSN, no credit pull.
- 2Get your diagnosis
We match your answers to the options that fit.
- 3Choose your treatment
Use a free tool, or go with a provider. You're in control.
Tap an answer. This check-up doesn't ask for or save any personal information.
Readings in seconds
Calculators and letter generators that run in your browser. Nothing you type leaves your device.
- Pay for delete letter generatorFill in the blanks and get a ready-to-send letter to a collector.Open the tool
- Letter of explanation generatorA short, clear letter for your mortgage lender in about a minute.Open the tool
- When will it fall off my credit report?Late payments, collections, inquiries, bankruptcies: see the month each one drops off.Open the tool
- What can I get with my credit score?Enter a score and see its range, mortgage options and auto loan tier.Open the tool
Treatment options, explained
Plain guides with letter templates you can copy and send yourself.
- How long can a debt collector come after you?How the statute of limitations on debt works, how it differs from how long a debt stays on your credit report, and what to do if a collector contacts you about old debt.Read the guide
- Pay for delete letter: how it works and a free templateWhat a pay for delete letter is, whether collectors agree to it, a free template, and the steps to take before you pay a collection account.Read the guide
- What is a 609 letter?A 609 letter asks a credit bureau for the information in your file. Here's what Section 609 actually says, the myths around it, and a free template.Read the guide
“Why trust a site that gets paid?”
Fair question. WalletMD is owned by Saint Services, LLC, which also owns Credit Saint, Credit Squad and Bolster. Here's how we keep that from shaping what we tell you.
How we make money- The free option first
Every care plan starts with what you can do yourself at no cost, like disputing an error or freezing your credit.
- Honest timelines
Most negative items can stay on a report for seven years. We tell you how long things really take.
- Ownership, said out loud
When we point you to a company we're connected to, the link says so right next to it.
Ready for your check-up?
You'll leave with a clear next step, even if that step is "not yet." If a collector has written to you, you can ask them to validate the debt; their notice says how long you have.
Start your financial check-up