New tool allows consumers to model potential credit score impact and recovery timelines before enrolling in debt resolution programs
Bakersfield, CA – February 23rd, 2026 – DEBT.TIPS is an independent financial education platform focused on improving transparency in the debt relief marketplace.
– DEBT.TIPS today announced the launch of its Credit Impact Simulator, a free online tool designed to help consumers understand how different debt resolution strategies may affect their credit score over time.
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The simulator is available at: https://www.debt.tips/simulator
As U.S. consumer debt remains at historically elevated levels, more Americans are exploring options such as debt settlement, consolidation loans, and structured repayment programs. One of the most common concerns among consumers is how enrolling in a program will affect their credit score – and how long recovery may take.
The DEBT.TIPS Credit Impact Simulator provides forward-looking projections that help users visualize both potential short-term credit score changes and long-term recovery timelines before committing to a financial strategy.
INCREASING CLARITY BEFORE ENROLLMENT
“There is often an initial credit impact with debt resolution,” said Shawn Musharbash, Founder and Developer of DEBT.TIPS. “But when consumers can clearly see both the short-term dip and the long-term recovery path, it transforms uncertainty into informed decision-making. Our goal is to bring transparency to a space where clarity has historically been limited – and this is only the beginning.”
The tool allows users to compare common strategies, including:
* Debt Settlement Programs
* Debt Management Plans
* Debt Consolidation Loans
* Balance Transfer Strategies
* Minimum Payment Scenarios
For each scenario, users receive estimated projections illustrating possible credit score movement and recovery progression over time.
NO CREDIT PULL. NO REGISTRATION REQUIRED.
The simulator operates as a scenario-based educational estimator and does not perform a hard or soft credit check. Users are not required to create an account, submit an email address, or provide sensitive personal information.
The platform is designed to support financial literacy and informed decision-making.
PART OF A BROADER CONSUMER PROTECTION TOOLSET
In addition to the Credit Impact Simulator, DEBT.TIPS offers several complementary free resources aimed at protecting consumers navigating debt challenges, including:
* ScamCheck Database – https://http://www.debt.tips/scam-check
* Scam Alerts Hub – https://http://www.debt.tips/scam-alerts
* Debt Collection Rights Guide – https://http://www.debt.tips/rights
* Debt Validation Letter Generator – https://www.debt.tips/tools/validation-letters
These tools are designed to help individuals verify debt collectors, understand their legal rights, and protect themselves from fraudulent or misleading financial services.
ADDRESSING A TRANSPARENCY GAP
While debt relief providers are required to disclose potential credit impacts, many consumers struggle to translate those disclosures into practical expectations. DEBT.TIPS developed the simulator to make that information more accessible and easier to understand through structured projections.
The Credit Impact Simulator is available immediately at: https://www.debt.tips/simulator
ABOUT DEBT.TIPS
DEBT.TIPS is an independent financial education platform focused on helping consumers understand debt resolution strategies, credit score dynamics, and financial recovery options. The platform provides free tools and educational resources designed to increase transparency and reduce confusion in the debt relief marketplace.
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