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Optimal Path™

Optimal Path uses AI to deliver personalized, actionable credit improvement tasks with estimated score impacts. Designed for lenders, fintechs, and employee wellness programs, it helps consumers reach credit goals while enhancing engagement and reducing operational burden
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Optimal Path™: AI-Driven Credit Score Improvement Solution for Lenders, Fintechs & Employee Benefit Providers

Optimal Path is a cutting-edge AI-powered platform that provides consumers with personalized, actionable plans to meet the consumer's credit score goals. By delivering tailored monthly tasks and estimated credit score impacts, Optimal Path helps users achieve their credit goals. Ideal for banks, fintechs, lenders, and financial wellness providers, it enhances customer engagement, supports credit education, and reduces operational effort. 
Consumers can achieve their credit score goals
Partners see increased consumer engagement
Offers a clear, personalized credit journey
Provides quantifiable estimated credit score impacts
Reduces partner operational burden
Allows for deeper customer relationships through financial wellness

Powering Credit Wellness

 

Discover how fintechs are using Optimal Path to deliver personalized credit improvement tools — empowering users, enhancing product offerings, and driving deeper customer engagement.

Banks and Credit Unions

They can offer this product to their customers to help them meet their credit score goals, qualify for better loan products (mortgages, personal loans), and deepen customer loyalty by providing valuable financial wellness tools.
 

Fintech Companies

Fintechs focused on financial wellness, budgeting, or lending can integrate Optimal Path to provide a robust, personalized credit improvement solution to their user base.
 

How It Works

Introducing Optimal Path, an AI-driven Solution 

AI-driven credit empowerment for financial services, fintech, and employee benefit providers. Personalized guidance, goal setting, and actionable insights for better financial wellness. Integrates via APIs.

Guided Credit Improvement in 3 Simple Steps

Optimal Path works as a personalized, AI-driven solution to help consumers improve their credit scores through the following key steps:
Goal Setting & Profile Analysis
Consumers enter their credit score goal and timeframe (3-12 months) on a partner site with Optimal Path. The AI-powered API analyzes their unique credit profile alongside data from others who’ve improved scores to create a personalized credit improvement plan.
Monthly Task Delivery
Optimal Path delivers personalized tasks each month, showing the estimated credit score impact of actions like paying down balances, reducing credit use, or avoiding new credit inquiries.
Ongoing Progress & Refinement
Consumers follow monthly tasks to reach their credit goals. Tasks and score impacts update every 30 days based on progress and credit data. Optimal Path Tradelines offers deeper, account-level insights and prioritized actions for an enhanced experience.

How to Set a Credit Score Goal

Users can log into the partner's website, view their current score, and then select their desired credit score goal and a timeframe (3-12 months) for achieving it.

How to Follow Monthly Tasks

Each month, Optimal Path provides 9 specific, actionable tasks tailored to the user's credit profile, with an estimated impact on their score. Users should follow these tasks to work towards their goal.

Why Optimal Path™ is the Smart Investment for Credit Health and Customer Engagement

Optimal Path™ delivers unmatched value by combining advanced AI with personalized credit improvement guidance, empowering consumers to reach their credit goals effectively. Its tailored, actionable tasks and real-time score impact estimates drive ongoing user engagement, enhancing loyalty and financial wellness. For lenders, fintechs, and wellness providers, Optimal Path reduces operational costs by automating credit education while deepening customer relationships. 

Credit Check Surge

Over half of consumers — 56% — have checked their credit in the past month, showing a growing interest in financial awareness and credit health management.

Monthly Credit Habit

At least once a month, 42% of consumers check their credit, highlighting a strong trend toward regular credit monitoring and financial responsibility.

Boosting Credit Scores

The majority of consumers — 4 in 5 — are actively working to improve their credit scores, signaling a strong commitment to better financial health.

Tradelines: Deeper Account Insights

The integration of Optimal Path Tradelines adds granular insights, elevating personalization and results. Investing in Optimal Path means providing a proven, scalable solution that not only improves credit outcomes but also strengthens your brand and customer trust.

Frequently Asked Questions

Optimal Path is a personalized, AI-driven solution designed to help consumers achieve their credit score goals. It analyzes your unique credit profile and provides tailored, actionable tasks each month with estimated credit score impacts. This helps you understand exactly what steps to take to work towards a better score.
 

Optimal Path Tradelines is an enhanced, premium offering that builds upon Optimal Path's personalized plans. It provides granular, account-level insights and guidance, revolutionizing how consumers improve their credit by offering incredibly precise, easy-to-understand recommendations tailored to their unique credit profile.
 

You can typically set your credit score goal and a timeframe (usually 3-12 months) through the website of a partner who has integrated Optimal Path. After viewing your current score, you can select your desired goal, and the system will begin analyzing your profile to create your personalized plan.
 

Each month, Optimal Path delivers 9 specific, actionable tasks tailored to your credit profile. These can include recommendations like paying down specific balances, reducing credit utilization, or avoiding new credit applications. Each task comes with an estimated impact on your credit score, giving you a clear roadmap.
 

The tasks and estimated credit score impacts are refreshed monthly based on your updated credit file and progress. New tasks are provided every 30 days until your plan's expiration date, helping ensure your guidance remains relevant.

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Consumer Engagement Suite

Help your users achieve financial wellness with our API suite — easily integrate credit scores, reports, and credit-building tools into your platform.

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