At Joint Shares, we are committed to delivering secure, compliant, and client-focused financial services—from personal lending to institutional investments
At Joint Shares, we are committed to delivering secure, compliant, and client-focused financial services—from personal lending to institutional investments
Comprehensive Financial Calculators and Resources to Manage Your Credit Health
Powered by Joint Shares LLC with authoritative data from trusted financial sources
Access your credit reports from the three nationwide credit bureaus and monitor your credit history for accuracy and signs of identity theft :cite[1].
The only website authorized by federal law to provide free annual credit reports from Equifax, Experian, and TransUnion :cite[1].
Free daily credit monitoring from TransUnion with alerts for critical changes to your credit report :cite[2].
Get your FICO Score - the score used by 90% of top lenders - with comprehensive credit monitoring :cite[4].
If you find inaccurate information on your credit report, you have the right to dispute it for free :cite[9].
Understand and monitor your credit scores from different scoring models used by lenders.
See how financial decisions might impact your credit score.
Your score remains unchanged. Select an action to see potential impacts.
Calculate your debt-to-income ratio, a key metric lenders use to assess your ability to manage monthly payments :cite[2].
Lenders typically prefer a DTI ratio below 36%, with no more than 28% of that going toward housing expenses.
Monitor your credit utilization ratio, which is the amount of credit you're using compared to your total available credit. This is a major factor in your credit score :cite[2].
Experts recommend keeping your credit utilization below 30% to maintain a good credit score. Lower utilization rates (under 10%) are even better for your score.
Calculate your Equated Monthly Installment (EMI) for loans with a fixed interest rate of 3% per year as requested.
| Month | Payment | Principal | Interest | Balance |
|---|---|---|---|---|
| Enter loan details to see amortization | ||||
Protect yourself from identity theft with fraud alerts and credit freezes. These tools can help prevent someone from opening new accounts in your name :cite[3]:cite[8].
Place a free 1-year fraud alert if you're concerned about identity theft but haven't yet been a victim :cite[8].
For identity theft victims with an FTC identity theft report or police report :cite[8].
The most powerful protection that prevents access to your credit report entirely :cite[8].
If you suspect identity theft, take these immediate actions :cite[3]:
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