Users set a goal (e.g., "Buying a house in 12 months"). The app creates a step-by-step roadmap focusing on payment history (35% of score) and reducing new inquiries to optimize for mortgage approval.

Example: "Your score dropped 12 points because your balance on [Credit Card X] increased by 30%, raising your overall utilization above the recommended 30% threshold." :

This feature is designed to demystify why a score moved and what specific actions will change it next. :