Credit Score Tracker Spreadsheet, Excel and Google Sheets, Credit Report Dispute Tracker, Credit Builder, Credit Card Utilization

Credit Score Tracker Spreadsheet for Microsoft Excel and Google Sheets, instant digital download. Track your scores at all three bureaus, keep every card's utilization in check, build an on-time payment streak and follow every credit report dispute to the deadline. Perfect for building or rebuilding your credit yourself. ✨ NOW INCLUDES 4 FILES: Excel + Google Sheets, each in a SAMPLE version (filled with example data so you can see how it works) and a BLANK version (ready for your own numbers). ★ WHAT'S INCLUDED ★ • 15 tabs with a clickable Start Here page • Dashboard: 16 KPI tiles (average score, change since you started, Equifax, Experian and TransUnion, overall utilization, on-time streak, on-time %, goal progress, open disputes, disputes won, negative items, hard pulls, average account age, total balances and a health check score), payments due next, open disputes by deadline, cards to pay down, negative items next to fall off and 6 charts • Score History (300 rows): date, bureau, score model and score, with the score band, change since your last check at that bureau and an up / down trend • Monthly Tracker: the last 12 months of scores by bureau, utilization, on-time and late payments, hard pulls and disputes, with 2 charts • Credit Cards (15 cards): limit, balance, APR, statement and due day, with utilization per card, alerts against your 30% and 10% targets, pay-down amounts, next statement and due dates and account age • Utilization: extra payment and credit limit what-if for every card, plus a monthly utilization log (36 rows) and a chart • Loans (12 rows): auto, student, personal and credit-builder loans with paid-off %, next due date and payments left • Account Age: every account in one list with its age, average age, oldest and newest, a new-account what-if and age milestones • Payments (500 rows): due dates, minimums and payments with On time / Late / Late 30+ / Due soon status, days late and your on-time streak • Disputes (60 rows): item, bureau, error type, date sent and tracking number, with the response deadline (30 days, editable), days left, Past deadline / Due soon flags, outcomes and success rate • Negative Items (40 rows): collections, charge-offs and late payments with the estimated fall-off date and months left • Inquiries (60 rows): hard pulls with months ago, the date each drops off (24 months) and a flag for any you didn't apply for • Health Check: the 5 commonly published credit factors graded with your own numbers, plus what to work on next • Goals & Action Plan: score goal progress and an 18-step starter checklist you can edit • Setup: targets, response window, score bands, years-on-report table and all drop-down lists • Sample data with a fictional person so you can see how it works ★ PERFECT FOR ★ ✓ Building or rebuilding your credit yourself ✓ Getting ready to apply for a mortgage, car loan or apartment ✓ Disputing errors on your credit reports ✓ Keeping credit card utilization low ★ COMPATIBILITY ★ • Microsof