CreditStreaks

Track your due dates, your reporting dates, and your payoff strategy — in one place.

CreditStreaks helps you build the habit of knowing your own numbers: when payments are due, when your balance actually gets reported to the credit bureaus, and whether the snowball or avalanche method saves you more. Free, no account required, and your data never leaves your device.

Open CreditStreaks How it works

How it works

  1. Add your accounts. Credit cards, mortgage, auto loans, student loans, or personal loans — balance, interest rate, minimum payment, and due date.
  2. Add your reporting date, if you know it. This is the date your statement closes and your balance gets sent to the credit bureaus — usually different from your due date, and often the more important one for your utilization.
  3. Get one task a day. CreditStreaks tells you the single most useful thing to do today, whether that's paying down a card before it reports or logging a payment.
  4. Compare payoff strategies. See snowball vs. avalanche side by side, with real numbers for total interest and payoff date, based on your actual accounts.

What CreditStreaks tracks

Due dates & reporting dates

Most people only know their due date. CreditStreaks tracks both, and flags when paying early would lower what actually gets reported.

Credit utilization

Per-card and overall utilization, calculated automatically from your balances and limits.

Snowball vs. avalanche

A real payoff simulation comparing both strategies — total interest paid and projected debt-free date.

Mortgages & loans

Track any account type. You decide whether a mortgage or loan counts toward your total debt view — it's your call, not a default.

Daily streaks

A simple daily check-in habit, with forgiving streak protection, not punishment, when life gets busy.

Local & private

No account, no sign-up, no server. Your financial data is stored only on your own device.

Frequently asked questions

What's the difference between a due date and a reporting date?

Your due date is when a payment is owed. Your reporting date (or statement closing date) is when your card issuer sends your balance to the credit bureaus — usually several days before your due date. Paying down your balance before the reporting date, not just before the due date, is what actually lowers the utilization that gets reported on your credit file.

What is credit utilization?

Credit utilization is your card balance divided by your credit limit, shown as a percentage. It's one of the more heavily weighted factors in most credit scoring models. Commonly cited targets are staying under 30%, with under 10% considered ideal.

Snowball or avalanche — which is better?

Snowball pays off your smallest balance first, regardless of interest rate, for quick psychological wins. Avalanche pays off your highest interest rate first, which minimizes total interest paid. Avalanche is mathematically cheaper; snowball is often easier to stick with. CreditStreaks shows you both, calculated from your real accounts, so you can decide.

Does CreditStreaks guarantee my credit score will improve?

No. No app can guarantee a specific score outcome. CreditStreaks supports consistent on-time payments and utilization management, which historically support score stability or improvement — but your results depend on your full credit profile.

Is CreditStreaks a credit repair company?

No. CreditStreaks doesn't dispute items on your credit report and isn't a credit repair organization in the legal sense. It's a habit and tracking tool for payment dates, utilization, and payoff strategy.

Is it free? Do I need to create an account?

Yes, it's free, and no account or sign-up is required. All your account and payment data stays on your own device — nothing is sent to a server.