Raise your credit score with tools that actually move it.
Track utilization, plan payoffs, audit your file, and run disputes — all in one platform built to get your score up.
- Score factors
- 5
- Optimal utilization
- <10%
- Dispute window
- 30 days
Cut utilization. See the score respond.
Utilization updates every billing cycle — faster than any other score factor. GoodScore shows your ratio, available credit, and the exact balance to hit your target.
- Per-card and overall ratios so a single maxed-out card never hides behind a healthy average.
- Statement-date targeting so you pay down before the balance hits the bureaus.
- Live target planning to drop into the under-10% zone that scoring models reward.
UTILIZATION BENCHMARKS
Use these ranges as your operating targets inside the Utilization Engine.
Your score, broken into five levers.
GoodScore maps every action to the factor it actually moves — so you spend time on the 35% and 30% weights, not the noise.
A live read on your credit health.
Account standing
Whether each tradeline is reported current, delinquent or in collections.
Revolving load
Aggregate and per-card balance-to-limit ratios across open accounts.
File depth
Average account age and total tradeline count on the report.
Inquiry footprint
Hard inquiries within the trailing 12–24 month window.
Pay down faster. Spend less interest.
Plug in a balance, APR, and monthly payment. The engine returns payoff time, total interest, and the extra cash that gets you debt-free sooner — then you pick the sequence that fits.
Avalanche method
Targets the highest-APR balance first to minimize total interest paid.
Snowball method
Targets the smallest balance first to build momentum and reduce open accounts.
One dashboard for all three bureaus.
Equifax, Experian, and TransUnion each keep their own file. GoodScore treats them as three workstreams so errors, utilization, and inquiries get cleaned everywhere they show up.
Pull each bureau file and line up accounts, balances, and personal details.
Flag mismatches, late marks, and inquiries you didn't authorize.
File disputes and track the 30-day investigation window to closeout.
How GoodScore runs.
Four steps from first pull to a higher score — the same sequence our tools are built around.
Pull & review
Request current reports from all three bureaus and check for accuracy line by line.
Measure utilization
Calculate per-card and aggregate revolving utilization against reported limits.
Prioritize actions
Sequence paydown, disputes, and new-credit decisions by expected structural impact.
Monitor cycles
Track changes across statement periods rather than reacting to daily fluctuations.
LIVE ENGINE
Check utilization in seconds
Enter a limit and balance. Get your ratio instantly — then open the full engine for available credit, payoff timelines, and a target-balance plan.
Open full engineResults update as you type. Open the full engine for payoff and target planning.
Dispute errors. Protect the file.
Wrong accounts, stale balances, and unauthorized inquiries drag a score down. GoodScore walks you through the dispute, the 30-day investigation, and the paperwork that closes it.
Built to raise the number.
GoodScore is a credit optimization platform — live tools, file audits, and dispute workflows in one place.
Real-time tools
Utilization, payoff, and target-balance engines that update as you type.
Private by default
Your numbers stay in the browser. Nothing is uploaded to run a calculation.
Action-first design
Every screen ends in a next step — pay down, dispute, or re-audit.
Ready to move the score?
Open the engine, run an audit, or talk to the team. Start with the number that matters.