Personal Score
702
▲ FICO 8
Roadmap
5 of 8
▲ steps complete
Fundability
Strong
▲ approval-ready
Personal Score Trend
▲ 650 → 702Credit score
Personal Credit Roadmap
Step 5 of 8Pull all 3 bureau reportsDone
Equifax, Experian, TransUnion baseline captured
Resolve inaccurate itemsDone
2 negative items removed via dispute
Lower utilization below 30%Done
Now at 21% — optimal range
Add positive tradelineDone
Discover It (AU) — reporting next cycle
Diversify credit mixIn progress
Add one installment account to balance revolving
Keep oldest account openOngoing
Protects avg account age (currently 5.1y)
Reach 740+ scoreLocked
Unlock prime lending rates
Build to 800+Locked
Elite tier — best terms across products
Fundability Checklist
7 of 9 metRequirements that determine your personal funding eligibility.
✓
Score ≥ 680702 — qualifies for most products
Met✓
Utilization < 30%Currently 21%
Met✓
No 30+ day lates (12 mo)Clean payment history
Met✓
3+ active tradelines6 active accounts
Met✓
Avg age ≥ 3 yrs5.1 yrs
Met✓
No active collections1 pending validation (Midland)
Met✓
Stable address (2+ yrs)Houston since 2023
Met◐
Diverse credit mixRevolving only — add 1 installment
Partial!
< 3 hard inquiries (6 mo)Currently 3 — at threshold, hold off on apps
BorderlineTri-Bureau Monitoring
LiveReal-time alerts on every change across all three bureaus.
EquifaxMonitoring
699
▲ +18 this month
Last update: 2 hours ago
ExperianMonitoring
705
▲ +12 this month
Last update: 1 hour ago
TransUnionMonitoring
702
▲ +14 this month
Last update: 30 min ago
Recent Alerts
▲
Score increase · TransUnion +14Utilization dropped to 21%
2h◆
New account reporting · Discover It (AU)Reported on Experian & TransUnion
1d!
Hard inquiry detected · EquifaxLender pre-qualification soft pull confirmed safe
3dIdentity Theft Protection
Active24/7 monitoring across dark web, SSN, and bureau records.
✓
SSN watch
✓
Dark web
✓
New account alert
✓
Address change