Credit Repair Planner is an useful software that helps you to 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. It 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. Credit Repair Planner is a single, clean, compact executable with no spyware or DLL dependencies. Feel like you're being whacked by a giant hun every month? This little tool is designed to get you out of the credit mess as fast as possible. The idea is that you tell Credit-Repair-Planner about your existing credit card debt and how much you can afford to pay back each month. Credit-Repair-Planner will then generate an optimized repayment plan that not only clears your debt as fast as possible but also gets your credit back as fast as possible.