9:41
account_balance VANTAGE
724 Out of 850
TransUnion +8
734

GOOD LUCK, ALEX!

You're only 10 pts from your goal!

payments

History

99%

On-Time

speed

Age

5

Years

Credit Factors

Credit trend

What Changed

Sapphire Preferred

You've hit 42% utilization, it's temporary but it's heavily impacting your score.

credit_card

Utilization

42% High

−8 pts
manage_search

Hard Inquiries

2 last 12 mo.

−3 pts
account_tree

Account Mix

Diverse 4 types

+12 pts
task_alt

Payment History

99% On-time

+35 pts

Reach your goals

trending_up

Lower Utilization

+15 pts

Pay Sapphire Preferred below 20%.

gavel

Dispute an Item

Review your report for errors.

tune

Score Simulator

What if you changed your utilization?

Utilization

42%

Simulated Score

724

Est. Change

±0
Alex Dockery

Alex Dockery

Member since 2021

shield

Credit Report

Equifax · Experian · TransUnion

chevron_right
notifications_active

Alerts & Monitoring

2 active alerts

chevron_right
settings

Settings

Account & preferences

chevron_right
help_outline

Help & Support

FAQ, contact, legal

chevron_right
gavel

Disputes

0 active disputes

chevron_right