Financial Recovery Resources

The only federally authorized source for free credit reports from all three bureaus (Equifax, Experian, TransUnion). Pull yours weekly — it's now free every week.

Free credit score monitoring with TransUnion and Equifax. Shows score factors, credit card recommendations, and dispute tools. Updated weekly.

Free Experian credit score and report. Includes FICO Score 8 — the most widely used score by lenders. Also offers free credit monitoring alerts.

Compare Avalanche vs. Snowball strategies side-by-side. Shows exact payoff dates, total interest paid, and monthly payment schedules.

Clean, easy-to-use debt payoff calculator with visual timeline. Great for seeing the impact of extra payments on your payoff date.

Free debt snowball and avalanche tracker. Create a full debt payoff plan, track payments, and see your progress over time. Highly recommended for visual learners.

Free debt elimination tool from Utah State University Extension. Research-backed, no ads, no upsells. Generates a personalized debt payoff plan.

The gold standard for zero-based budgeting. Every dollar gets a job. Particularly effective for people in recovery because it builds intentional spending habits. 34-day free trial.

Free budgeting app that connects to your bank accounts and automatically categorizes spending. Good for tracking where your money actually goes vs. where you think it goes.

Dave Ramsey's free budgeting app based on the zero-based budget method. Simple, clean interface. Free version requires manual entry; paid version connects to bank accounts.

Digital envelope budgeting system. Free for up to 10 envelopes. Excellent for people who want the psychological benefits of the cash envelope system without carrying cash.

Free, comprehensive personal finance education covering budgeting, taxes, investing, insurance, and retirement. No ads, no upsells. Excellent foundational resource.

Official U.S. government financial tools and resources. Includes debt collection rights, credit report dispute guides, and financial well-being tools.

Non-profit credit counseling. Offers free or low-cost debt management plans, credit counseling, and financial coaching. Legitimate — not a debt settlement company.

Advocacy organization with resources specifically for people in recovery, including financial recovery resources and peer support connections.

SAMHSA's national helpline connects to local resources including financial assistance programs for people in recovery. 1-800-662-4357.