Beyond the Ordinary

“Your credit doesn’t define you—
it’s just numbers we can help change.
Above & Distinguished Services gives you the tools, strategies, and guidance to dispute errors, rebuild responsibly, and unlock financial freedom. No empty promises, just a clear plan and support every step.”

Understanding Credit Tools

Are you frustrated trying to understand and use credit tools effectively? You're not alone. Many people find it challenging to navigate the complexities of credit management.

Credit Checklist

Know Your Rights

Credit Terms Glossary

Quick Quiz: What’s Hurting Your Credit?

Check anything that applies. We’ll tally your risk areas. Educational tool only.

Payment History

Missed a payment in the last 12 months

Often pay 30+ days late

Credit Utilization

Any card over 30% of the limit

Sometimes max out or go over limit

Credit Age & Mix

Oldest account is under 2 years

Only one type of credit (all cards or all loans)

Inquiries & New Accounts

Applied for 3+ new accounts in the last 6 months

Derogatory Marks

Collections, charge‑offs, or bankruptcies reporting

Credit Score Simulator

Educational estimate only. Not a FICO® or VantageScore® calculation. Results are for learning and planning, not a guarantee.

720

Good

300850

On-time payment rate Percent of payments made on time.

97%

Credit utilization Balances ÷ limits across revolving accounts.

28%

Average age of accounts Average age of open tradelines.

4 yrs

Open accounts Total open credit cards/loans reporting.

5 accts

Recent hard inquiries (12 mo) Number of hard pulls in the last year.

1 inq

Derogatory items Collections, charge-offs, bankruptcies, severe lates.

0 items

Disclaimer: This simulator is for education. Scores are estimated and may differ from lender models. Deletions or specific outcomes aren’t guaranteed.

Personalized tips

Dispute Letter Generator

Create customizable dispute letters for credit reporting issues. Educational template, not legal advice. Verify addresses and send via USPS Certified Mail with return receipt.

Your Information

Full Name

DOB

SSN (last 4)

Phone

Current Address

Letter Type

Recipient

Recipient Name

Recipient Address

Disputed Items

Add each account/entry you’re disputing. Use last 4 of account #. Describe the inaccuracy and your requested action.

Creditor / Source	Acct # (last 4)	Reason / Inaccuracy	Action

Optional Details

Report Reference # / File #

Custom Notes (will append at the end)

Include These Citations / Requests

FCRA §611: Reasonable reinvestigation and correction or deletion of inaccurate information within ~30 days.
FCRA §611(a)(6)-(7): Provide method of verification, furnisher contact, and procedure used.
FCRA §623: Duties of furnishers to investigate and correct.
Copy of the information relied upon (often mis-cited as a separate right; request disclosures used in the investigation).

Attachments (check what you’ll enclose)

Government ID (driver’s license or state ID)
Proof of address (utility bill, bank statement)
Copy of credit report pages highlighting disputed items
Police/FTC Identity Theft report (if applicable)
Supporting documents (payments, correspondence, releases)

Letter Preview

Bureau Dispute

Fill the fields and click “Generate Letter.”

Disclaimer: Templates are educational and do not guarantee outcomes. Verify addresses and keep copies of everything. Consider sending via USPS Certified Mail, Return Receipt.

Debt‑to‑Income (DTI) Calculator

Enter your gross monthly income and monthly debt payments. We'll compute front‑end (housing) and back‑end (total) DTI. Educational estimate only; lenders may calculate differently.

Gross Monthly Income Before taxes/deductions. If you have variable income, use a conservative average.

Housing Payment (PITI or Rent) Mortgage principal+interest+taxes+insurance or monthly rent

Auto Loans (total) Monthly payments for cars/leases

Student Loans (total) Monthly payment amounts

Credit Cards (min payments) Use the minimum due, not the current spend

Personal/Other Loans Consolidation loans, lines of credit

Alimony/Child Support (if court‑ordered) Monthly obligation

Front‑End DTI (Housing)

Acceptable

—%

Formula: Housing ÷ Gross Monthly Income

Back‑End DTI (Total)

Caution

—%

Formula: All Monthly Debts ÷ Gross Monthly Income

Category	Monthly Amount
Total Monthly Debts	$0.00