Capabilities
Fortuity Credit is a free family credit manager on the web, made by Epiphani Studios. This page lists every capability, how it works, and how to check it yourself. Last updated September 29, 2026.
Household board
- People: add yourself, a partner, children, parents and other adults. Check: /app/#board, "Load a sample household".
- Consent per adult: another adult's scores can be recorded only after their consent is entered in their own words with a date. Mechanism: the score form stays hidden until both fields are filled.
- Numbers or direction only: each adult's card shows exact scores or only the direction since their last reading.
- Labeled readings: every score carries its bureau (Equifax, Experian, TransUnion), model (for example FICO Score 8, VantageScore 3.0) and date; direction compares readings of the same bureau and model only.
Mortgage score for two
- For each borrower: the middle of three bureau scores, the lower of two, or the only one; the loan's representative score is the lowest across borrowers, with the single score that sets it and what raising it would change. Source: Fannie Mae Selling Guide B3-5.1-02. Check: the live calculator on the home page and in the app, up to four borrowers.
Freeze tracker
- Status (not started, requested, documents sent, confirmed, thawed) and dates at all three bureaus for every child and parent; document checklist; official bureau links; a printable packet; where each freeze PIN is kept; the year each child turns 16. Law: free security freezes, including protected-consumer freezes for children under 16 (15 U.S.C. 1681c-1).
Statement closes
- For each card: utilization, next statement closing date, days until it closes, and the payment that reports 1%, 9% or 29% on that card; per-person and household totals. Mechanism: card issuers generally report the statement balance at closing.
Free score sources
- Which free service gives which bureau and score model, linked to each provider's own page, as read on September 29, 2026. /app/#sources
Facts about the service
- Price: free. No card or loan offers, no approval odds, no lead sales.
- Data: each person gets their own free reports at annualcreditreport.com and their own free scores; users record them on the board. Fortuity Credit signs in to no bureau, bank or card account.
- Storage: board data is saved in the browser on the device in use, with export to a file and import on another device.
- Platforms: runs in current web browsers on phones, tablets and computers.
- Fortuity Credit is not a credit bureau, lender or credit repair organization and does not give legal or financial advice.