Your Current Score
User-reported score. This is not a live bureau pull.
—Tracking progress
Use this as a personal tracking tool. Scores may differ by bureau, model, and reporting date.
Add Score Update
Enter your latest score after checking your credit report or bureau account.
Compliance note: scores entered here are user-provided and may not reflect official credit bureau data.
Score History
Visualize score movement over time and compare it with uploads, payments, balance changes, and dispute cycles.
AI Progress Summary
Your AI progress summary will appear after your score history loads.
Recommended HabitMonthlyUpdate score and upload newest report.
Best CorrelationReportsCompare score changes to report changes.
Retention ValueHighCreates ongoing dashboard use.
What the AI Engine Can Analyze From This
- Whether the user-reported score is trending up, down, or flat.
- Whether score movement appears near a report upload, dispute cycle, or new account update.
- Whether balances, utilization, inquiries, late payments, collections, or account age may be affecting progress.
- Whether the user should upload a newer report to refresh recommendations.
The platform should avoid saying it caused a score increase. Safer wording: “Your reported score changed after your last update” or “This may be related to report changes.”