Skip to content
THE ADULTFILES
What’s happening in your life?

Fixing debt

A plan for the debt you already have, and how to stop adding to it.

MONEY

  1. The files

    MONEY
    FILE 004

    How do credit cards actually work?

    How credit cards work: the limit, interest, minimum vs statement balance, late payments, cash advances and the 7 first-card rules. Free calculator. US + Canada.

    Last reviewed · Open
    MONEY
    FILE 005

    How do you build credit from zero?

    How to build credit from zero: the 6-month rule, what a good score is, why scores differ, late payments, disputes vs goodwill letters, scams. US + Canada.

    Last reviewed · Open

Free tools for this moment

Tool 04First Card CalculatorBefore you tap: see what a purchase really costs on a credit card, how long the minimum keeps you paying, and how to pay $0 interest.Run your numbers Tool 05Credit Score SimulatorNo score, a late payment, high balances or an error? See what actually moves your score, how long it lasts, and get the letter that fixes it.Run your numbers
The Weekly File · our weekly email

One useful file a week.

One useful file a week: the problem, the real numbers and the free tool that goes with it. Nothing you didn’t ask for. Unsubscribe anytime.