You simply register your credit and debit card(s) on their site and get a monthly report of your card transactions, analyzed by the service. Your transactions will be grouped as “OK”, “unsure” or a “red flag” based on how “clean” a transaction is. Each transaction is analyzed by over 100 automated tests and is compared against complaints posted by others online about similar questionable charges  and merchants that appear on your bill. Whenever it detects suspicious charges you will get alerts in your email.

Watch demo video:

Features:

• Analyzes every transaction on your credit/debt card bill and checks for hidden charges, billing errors, scams and other unauthorized charges.
• Alerts you by email whenever a charge or a merchant on your bill is flagged by others on the web.
• Quickly see which charges require your attention.
• Register your credit/debit card and wait for montly reports by email.
• Free, sign up and register your card(s) to get started.

Check out BillGuard @ www.billguard.com

Quizzle also analyzed your credit situation and give you tips and tools to improve them. In addition, the home value estimations, home loan recommendations, free budget planner and other debt management tools, make it an excellent resource for financial know-how.

Another really nice thing about Quizzle is that unlike the other sites, it does not ask you for your credit card number.

Features:

• Know your credit score for free.
• Get your credit report and tips on how to improve.
• Debt management tools and resources.

Visit Quizzle @ www.quizzle.com [Via LifeHacker]

This Google Maps mashup lets you find credit unions by zip code or by name. You can filter credit unions based on military service, type of institution, and other qualifications. What is really useful here is that you can also filter the data based on your FICO score, allowing you to apply only to credit unions that match your current financial situation.

The result will show a list of credit unions and potential saving in your credit card APRs as well as the benefits of each compared to a regular bank. Each listed credit union has a series of stars next to it so you can easily view each of their advantages. You can then go to the website of your chosen credit union to apply.

Nerdwallet Credit Union is a great way to show that there are several alternatives, driving home the point that you have a choice if you feel stuck dealing with banks.

Features:

• Free; no sign up required.
• Search and compare banks and credit unions on a Google Map.
• Search by name or zip code.
• Filter based on qualifications and FICO score.
• Similar Tools: Edulender, Lendfriend, AmortizationLoanCalculator, and Jantaloans.

Check out Nerdwallet @ www.nerdwallet.com/credit-union

The tool than shows you how much time and interest it would take to pay off your cards if you keep making minimum payments. Click on “Let’s improve this” and the tool will show you various options. You can pick the monthly amount you are willing to spend or your target date to get rid of debt and ReadyForZero will display details based on this new plan. Once finalized, you can keep track of your progress and see how much more money/time is needed for payoff.

Features:

• Create a plan to pay off credit card debt.
• Link your credit cards and explore different options.
• Track your progress or adjust plan.
• Similar tools: Creditable, Mint, Paystr, Accpal and TripLittle.

Visit ReadyForZero @ www.readyforzero.com

The best part about Creditable is that it is free and anonymous, thus it can still generate your personalized goals even without submitting a credit report.

Creditable requires users to sign up before being able to use it, but the registration only requires an email address so you don’t have to divulge your identity. You do not have to be worried about security issues when using the site since you won’t have to reveal any personal information.

Creditable will also produce goals that are particular for your situation which can serve as your guide that can help you out of your current credit issues.

Creditable also fosters an online community where people can ask about credit related issues and receive advice from other people, who may have gone through your current situation. In addition, you can easily find other users that have the same goals as yours, for more social support.

Features:

• Manage your credits without revealing your identity.
• Track the progress of your credit, works with multiple accounts.
• Suggests achievable goals based on your particular situation.
• Connects you with other people that have similar credit issues.
• Provides personalized credit card suggestions when re-establishing credit.
• Similar Tools: Mint, Paystr, Accpal, TripLittle.

Check out Creditable @ http://getcreditable.com

WalletGarden is a simple tool that lets you store information about different kinds of cards in your wallet to a free and secure online account and comes in handy when you lose your wallet. It does not let you store the actual credit card numbers but other related information like the type of card, contact number of customer support, name on card, etc. You can add as many cards as you want and even add notes for each one.

Then if you do lose your wallet someday, you can just come back to your WalletGarden account and know whom to call about each card.

Features:

• Store information about your ID, credit cards online.
• Access the information if you lose your wallet.
• Protects you against identity thefts.
• No sensitive information is stored anywhere.

Visit WalletGarden @ www.walletgarden.com

Features:

• Quickly calculate credit card repayment time.
• Provided by the US Federal Reserve.
• Also tells you the total interest charges you will incur.
• Simple and easy to use.
• Other similar calculators: WhatsTheCost and Loan Repayment Calc.

Check out RepaymentCalculator @ www.federalreserve.gov/creditcardcalculator (via Lifehacker) (By Abhijeet from Jeet Blog)