Credit-Repair-Planner helps create an optimized repayment schedule which factors in credit improvement. The concept is simple: pay off the highest-interest cards first while bearing in mind that carrying in excess of 50% on any revolving credit line dings your credit score.

Credit-Repair-Planner will break this down into two repayment schedules – the first to get all cards down below 50% and the second to take them down the rest of the way.

Although Credit-Repair-Planner is useful for scheduling repayment, it is meant primarily as an educational tool — making the path to credit-repayment explicit, concrete and visual. A clear understanding of the debt-repayment path is a crucial part of lifelong debt management.

To use Credit-Repair-Planner, just download and run – the program is entirely self-contained and requires no installation (it can also be run directly from fixed media such as floppy or CD). Credit-Repair-Planner is a single, clean, compact executable with no spyware or DLL dependencies. It is part of an expanding collection of freeware tools available from atilla-credit-repair.info.

Homepage: http://atilla-credit-repair.info/
Download: credit-card-crusher.exe
Price: $  0

The Credit Card Manager will help you plot a course to be debt free. Simply enter your balances, percentage rates, and minimum payments–the program does the rest. In a matter of minutes you can produce a schedule that defines what cards you should pay and when.

Homepage: http://www.iabsoftware.com/
Download: http://www.iabsoftware.com/Download.aspx
Price: $ 9.95

Track all of your credit card expenses with this easy-to-use program. ‘Credit Card Tracking‘ will allow you to track multiple credit cards, associated bank information, and detailed purchases. Total charged and current balance available is automatically calculated for you as your purchases are entered.

You will be able to easily reconcile your monthly credit card statements with the purchases entered. Items may be exported to Microsoft® Excel®. Reconciled items are kept in a history file until you permanently delete them. Search will locate specific charges for you quickly. You can even link directly to your credit card’s website!

Homepage: http://www.almsysinc.com/
Download: cctboth.exe
Price: $ 20

Home Credit Card Manager allows you to monitor your credit card usage in the privacy of your own home. Simply match your statement transactions to the categories provided, then use the tools to group and sort the information.

Requires Java Runtime Environment. Get It Here.

Homepage: http://www.homemoneymanager.com/
Download: HomeCCdManagerLiteWithJRE3.0.080102.exe
Price: $ 0

Easy Credit Card Verifier instantly checks credit card numbers for validity using LUHN10 algorithm. Using this software you may check MasterCard, VISA, Diners Club, EnRoute, Carte Blanche, AMEX, Discover, or JCB credit card numbers without submitting them online.

Easy Credit Card Verifier features:

• Verifies credit card numbers offline
• Automatically detects card type
• Features cut, copy, paste functions
• Utilizes LUHN10 and first numbers verification algorithms

Homepage: http://www.ashkonsoftware.com/
Download: ecverify.exe
Price: $ 0

This is the perfect free eBook for anyone who wants a credit card or a payday loan. Using the free sources that we have,you can get a Credit Card or a PayDay Loan – fast cash loan, No matter how bad your credit history is. Plus learn how toraise your credit score, rebuild bad credit, understand credit terms and more. This free eBook contains no spyware orAdware, it is completely safe.

Homepage: http://www.rb59.com/
Download: creditcards.zip
Price: $ 0