scorepath
Join the waitlist

Get a step-by-step plan to
improve your credit score.

See which action comes first, follow the instructions, and check what changed on your statement.

How we use your email

See a sample plan
scorepath Illustrative example

Credit profile

Example scores and a card-payment plan.

Score comparison
Before620
After660
Example change+40 points
Credit limit used
30% to 20%

$1,500 → $1,000 balance
$5,000 credit limit

Sample action

Pay $500 toward the card.

Allow for essentials and required payments first.

Illustrative payment
Payment reminder

Set a due-date reminder.

Use the date on your statement. Check that the payment posts.

Fictional scores, compared using the same model and source. The +40 difference is independent of the card-payment example. The balance calculation assumes no new charges, interest, or fees. Actual outcomes vary.
Sample card profile
Product preview
Statement balance
$1,500
Credit limit
$5,000
Goal
Use less of my limit

How your plan works.

  1. 01

    Answer a few questions

    Your goal, balances, limits, account history and any missed payments help set the order. Try changing one answer in this preview.

    Is this card up to date?
  2. 02

    See what to do first

    Choose an affordable card payment.

    This account is current. Paying toward the balance fits the goal of using less of the limit.

  3. 03

    Check your result

    Where to checkCard activity → posted payment and new balance
What goes into your plan

Sample plan · Current account

Your first action, in detail.

In this example, the cardholder has $500 available after bills and essential expenses. Here’s the action they would receive.

Action 01

Put $500 toward the card balance.

Why it comes first
The card is current and the goal is to use less of its $5,000 limit.
What you need
The latest statement, minimum due and available budget. Due date unknown? Check the statement before scheduling.
How to do it
Confirm that $500 covers the required payment. Use the issuer’s payment screen and save the confirmation.
How to check
Look for a posted $500 payment in card activity. With no other charges or fees, the balance should be $1,000.
What comes next
Record the posted balance and date. Check your next statement for changes.
Read the full sample plan

See what changed.

The $500 payment lowers this sample balance from $1,500 to $1,000. The limit stays at $5,000.

Compare the two balances
Limit used before30%$1,500 ÷ $5,000
Limit used after20%$1,000 ÷ $5,000

Score tracking is a separate record. The illustrative 620 → 660 comparison shows how two readings are displayed. A payment amount does not predict a point change.

Before you join.

All questions
What information will I need?

For the waitlist, just your email. For a plan, you’ll be able to start with a goal and the account details you know. You can skip an unknown amount or date and look it up later.

Do I need my full report or bank login?

No. You can use the figures on a statement. You can explore this preview without entering an SSN, uploading a credit report or linking a bank.

Can I see my FICO score here?

scorepath doesn’t retrieve a live score. To track one yourself, record its date, model, bureau and source, then compare it with a later reading on the same basis.

When might my score change?

A posted payment can appear in your card account before the lender updates your credit report. Timing varies by lender. Check your account first, then the date on your next score reading.

What happens after I sign up?

You’ll see confirmation once your email is saved. When invitations are available, we’ll use that address to share access details. You can decide then whether to start a plan.

Get early access.

Join for an invitation to build your own action plan. We’ll send access details when invitations open.

What early access includes