# Borrowology

> A debt payoff calculator for snowball, avalanche, and minimum payments, plus guides on credit reports. Nothing you type is sent. Educational reference only. Not financial or legal advice.

The credit-report letter follows the United States Fair Credit Reporting Act. It cannot force a bureau to delete an accurate item.

## Tools

- [Debt payoff calculator](https://borrowology.buffersync.com/tools/payoff-matrix/): Compare snowball, avalanche, and minimum payments in the browser.
- [Credit report dispute letter](https://borrowology.buffersync.com/tools/dispute-letter-generator/): Write a letter to Experian, Equifax, or TransUnion. Nothing is sent or saved.

## Guides

- [Debt snowball vs avalanche](https://borrowology.buffersync.com/debt-mechanics/avalanche-vs-snowball/): Highest rate first usually costs less interest. Smallest balance first can clear an account sooner.
- [How to dispute a credit report error](https://borrowology.buffersync.com/credit-science/dispute-mechanics-609/): What a dispute asks a bureau to recheck, and what a 609 letter actually requests.
- [Credit card statement date vs due date](https://borrowology.buffersync.com/credit-science/statement-vs-due-date/): Bureaus usually see the statement balance, not the balance you pay before the due date.
- [Credit and debt glossary](https://borrowology.buffersync.com/glossary/): Short definitions for the words used in the guides.

## Site

- [Sitemap](https://borrowology.buffersync.com/sitemap.xml): Every indexable URL.
- [About](https://borrowology.buffersync.com/about/): Who publishes the site.
- [Contact](https://borrowology.buffersync.com/contact/): Questions about a source or a tool.
- [Terms](https://borrowology.buffersync.com/terms/): Rules for using the site.