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Resources & toolkit

Free, plain-language tools and materials. You do the work; the tools guide you and stay out of your way. Everything here is educational and self-directed.

A credit report under a magnifying glass with an item flagged
Available now

Credit Dispute Center

A guided walkthrough: enter your information, read your own credit report, classify what looks wrong, and generate your own dispute, validation, and goodwill letters. It tracks each response deadline and names the next letter if a response is missing or inadequate. Your case is stored only in this browser — you can export it as a file at any time.

How your data is handled. If you upload a credit report PDF, it is read once in memory to pull out the text and is never written to any database, file, or log. Your name, notes, and letters are stored only in your own browser. Nothing is shared with lenders, insurers, credit bureaus, or anyone else. See our Privacy Policy.
In development

Coming to the toolkit

Budget & debt-payoff worksheets

Fillable worksheets for a monthly budget and for the avalanche and snowball payoff methods.

Know-your-rights guides

Short multilingual guides to the FCRA, the FDCPA, medical-debt reporting rules, and time-barred debt.

Guard the Nest Egg toolkit

Spotting and stopping elder financial exploitation; trusted-contact and account safeguards; where to report.

Materials are released under an open license. Partner organizations may request the full curriculum at admin@sapientiafoundation.net.

The information and tools on this page are for general educational purposes only. They are not legal, financial, tax, or investment advice, and using them does not create any professional relationship. Sapientia Foundation is not a credit repair organization; we charge no fees and act on no one's behalf. For advice about your specific situation, consult a licensed attorney, an accredited financial counselor, or a legal-aid office. See Terms & Disclaimer.