The tools are our 3 bureaus credit reports and scores which we can get from:
annualcreditreport.com (not recommended however free ,because not detailed enough and no score)
Wells Fargo $1.00 first month one report a month for $15.99
Credit Total $1.00 and $29.95 for 3 reports a month
My Fico For real Fico Scores when we are done.
There are also other sites to get your reports.