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Money Blueprint App · Financial Foundations
Credit Score Improvement Plan
Record your current FICO score, audit the five scoring factors and commit to specific actions for the next 90 days.
FICO scores weigh payment history (35%), amounts owed (30%), length of history (15%), new credit (10%) and credit mix (10%). Focus your effort on the first two.
Baseline
Item
Today
In 90 days
FICO score
Total credit card balances
Total credit limits
Utilization %
Late payments in last 12 months
90-day actions
Pull free reports at annualcreditreport.com
Dispute any errors in writing
Automate at least the minimum on every account
Get utilization under 30%, then under 10%
Pause new credit applications
Keep old accounts open and active
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