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A clear path to improving your credit score for free


Get help improving your score with a score improvement plan provided by Experian™. Users who successfully achieve their plan goal improve their score by an average of 20 points or more.

Improve credit score from current 684 to goal of 702

Take control of your credit score


A personalized plan can help you take charge of your credit. Just complete a few simple steps, and you’ll be on your way to improving your score.


Step 1


Choose a time frame.


Step 2


Compare action plans.


Step 3


Set your goal.

Set a score improvement plan. See the difference.

Credit Journey's score planning tool, powered by Experian™, uses your credit report to calculate a score you could achieve by following the detailed steps in your personalized score improvement plan. You will be able to:

  • Track your progress
  • Get a summary of your results
  • Set a new goal once your plan ends to keep building your score

Tip: Using Credit Journey won’t hurt your credit score, and it’s 100% free.

Benefits of a higher credit score

A higher credit score lets lenders know you’re financially responsible. So having a good score means you’ll have a better chance of getting a lower interest rate and, in turn, lower monthly payments, when you’re ready to buy a car, home or apply for a loan.

Need help?


Our support lines are ready around the clock to help when you need it.