User profile
Demographics
Age / income bracket
Employment status
Housing (rent/own)
Banking relationship
Immigration status
Credit thin-file indicators
No FICO score
< 6 months history
Single tradeline
Immigrant/new to US
Young adult (18-24)
Consent & enrollment
FCRA authorization
Bureau pull consent
Data sharing opt-in
Reporting enrollment
Goal selection
Connected accounts
Bank (Plaid link)
Rent (lease upload)
Utilities (provider)
Phone bill
Subscriptions
1 Credit bureau data acquisition
Bureau connections
TransUnion
Equifax
Experian
VantageScore 3.0
FICO 8 / FICO 9
Data extracted
Tradeline history
Payment records (24mo)
Utilization ratios
Hard/soft inquiries
Public records
Alternative data
Rent payments (Plaid)
Utility payments
Bank cash flow
Telecom payments
Insurance premiums
Data enrichment
Dispute detection
Error identification
Stale data flagging
Cross-bureau merge
Normalized profile
Pull latency: 2.3s avg
2 AI factor analysis & scoring
Payment history (35%)
On-time rate calc
Late payment severity
Recency weighting
Collection accounts
Recovery potential
Utilization (30%)
Per-card utilization
Overall utilization
Balance trend (3mo)
Optimal target (< 30%)
Paydown waterfall
Credit age (15%)
Avg account age
Oldest account
Newest account
Age trajectory
AU opportunities
Credit mix (10%)
Revolving count
Installment count
Mortgage presence
Diversity score
Gap analysis
New credit (10%)
Recent inquiries (6mo)
New accounts (12mo)
Inquiry impact model
Rate shopping window
Application timing
3 Personalized action plan (LLM-generated)
Immediate actions (0-30d)
Dispute errors found (2)
Pay down Card A to 28%
Enroll rent reporting
Request CLI on Card B
Set all bills to autopay
Expected lift: +15-25pt
Short-term (1-3 months)
Open secured card
Become authorized user
Reduce total utilization
Credit builder loan
Negotiate collections
Expected lift: +20-35pt
Medium-term (3-6 months)
Graduate to unsecured
Apply for installment
Product change strategy
Balance transfer (0% APR)
Goodwill letter campaign
Expected lift: +10-20pt
Long-term (6-12 months)
Premium card qualification
Mortgage readiness
Auto loan positioning
Credit line optimization
Score maintenance plan
Target: 720+ FICO
4 Bureau reporting & progress monitoring
Tradeline reporting
Rent → all 3 bureaus
Utilities → TransUnion
Phone → Equifax
Kredete credit builder
Metro 2 format compliance
Reporting cycle
Statement date tracking
Balance snapshot timing
Optimal report date
Bureau refresh cycle (45d)
Dispute resolution tracking
Score monitoring
Weekly score alerts
Factor change detection
Inquiry alerts
New account alerts
Derogatory alerts
Attribution engine
Action → score delta
Causality modeling
Cohort benchmarking
ROI per action type
Time-to-impact calc
Attribution accuracy: 91%
5 Outcomes & product recommendations
Score milestones
580 → 640 (Fair)
640 → 680 (Good)
680 → 720 (Very Good)
720 → 780 (Excellent)
Product unlocks
Unsecured cards
Personal loans
Auto financing
Mortgage pre-qual
Rate improvements
APR reduction est.
Insurance savings
Deposit waivers
Lifetime savings calc
Kredete products
Kredete Card (eligible)
Send (higher limits)
Prael premium tier
Partner offers
Engagement
Monthly check-in (AI)
Gamification (streaks)
Community milestones
Referral program
Retention: 78% at 6mo
AI & compliance
Kredete credit LLM
Fine-tuned model
Credit factor reasoning
Action prioritization
Natural language plans
Score simulation
Regulatory compliance
FCRA compliant
ECOA / Reg B
Adverse action notices
Dispute process (30d)
Data accuracy duty
Fairness & bias
Disparate impact test
Protected class audit
Model explainability
CFPB compliance
Data partners
Plaid (bank data)
Boom (rent reporting)
LevelCredit
Finicity