Credit Goals
“Get ready for a mortgage” is not a plan. This is.
A goal breaks an intention into measurable criteria, tracks readiness across all of them, and tells you which one to work on first.
Prepare for a mortgage
73%
Target February 2027 · on track
- Overall revolving utilization28.9% → 9.0%
- Highest single-card utilization35.0% → 9.0%
- Hard inquiries in the last 12 months1 → 2 or fewer
- Collections and public records0 → 0
- Average account age79 months → 48 months
What it does
Ten goal types
Mortgage or auto-loan readiness, a score target, lower utilization, less revolving debt, better payment consistency, identity monitoring, more available credit, a stable profile, or your own.
Weighted criteria, not one number
Mortgage readiness is five separate criteria with different weights. You can see exactly which one is holding the figure back.
On-track, honestly assessed
Progress is compared against elapsed time. A goal that is 40% done with 80% of the time gone is described as behind schedule, not encouraged.
Priority actions per goal
Ordered by what actually moves the criteria — utilization before credit mix, because one responds in a cycle and the other barely matters.
Progress kept as history
Readings are appended, never updated, so the trend line is real rather than a redrawn story.
Honest about what is slow
Account age builds passively and cannot be rushed. Goals say so rather than implying every criterion is equally actionable.
How it works
No black box. Every step is something you can check.
Criteria are computed from the same engines
Utilization comes from the utilization engine, inquiry counts from your report data. A goal cannot show a figure the rest of the product disagrees with.
Readiness is a weighted average of criterion progress
Each criterion runs from a baseline to a target, and heavier criteria move the headline number more.
Progress feeds the Health Score
Average goal progress is one input to the financial-readiness component, so working a goal shows up in the overall picture.
What it will not do
The boundaries are part of the product, not fine print.
Readiness is not a prediction of approval, an offer of credit, or a lending decision. Lenders consider income, assets, employment and much else this product cannot see.
A score goal tracks the factors you control. It cannot promise the score will reach the number, because no one controls a scoring model's output.
Some criteria are simply slow. Account age and derogatory-item aging follow their own schedules and no product can accelerate them.
Accurate negative information cannot be removed on request, and a goal will never suggest otherwise.
Set a goal with a real deadline
Then let the platform tell you which criterion to work on first.