CreditBuilder

Good morning, Marcus

You're making progress.

Your Credit Score
612 Fair
Poor Fair Good
+14 pts this month
Updated today
On-time payments 87%
Credit used 64%
Accounts open 3

Your biggest opportunity

Lower your credit card usage to below 30%. This alone could add +40 pts to your score.

Your 6-month journey

Your improvement plan

  • Link your bank account

    Done — this unlocked your score tracking

  • Set up autopay

    Never miss a payment — great work

  • Lower your credit usage

    Pay down cards to below 30% — biggest impact

  • Dispute the old collection

    We found 1 item you can challenge

  • Open a secured card

    Build credit with a $200 deposit — no hard pull

Next milestone

Good Credit — 670

You need 58 more points

Did you know?

Checking your own credit score never lowers it. That's called a soft inquiry — only lenders checking your credit can affect it.