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Optimal Path™

Help consumers meet their credit score goals with personalized AI-driven recommendations
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Help Your Customers and Members Achieve their Credit Score Goals

Optimal Path offers a personalized, AI-driven solution that helps individual consumers to achieve their credit score goals. Consumers can set their credit score goal, learn specific action steps to take to meet their goal, and immediately understand the estimated impact to their VantageScore credit score by following the recommended tasks. Within months, Optimal Path may help many consumers achieve their goal.

AI and Real-time Analytics to Fuel Monthly Tasks

  • Analyzes a consumer’s current credit profile, goal, timeframe, and data in comparison to other consumers that have previously achieved similar credit score outcomes
  • Uses AI to provide specific personalized tasks and corresponding estimated score impact
  • Combination of monthly tasks offer the optimal path for consumers to help achieve their credit score goal
  • Monthly tasks encourage continuous engagement
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Fuel Engagement and Loyalty

Add Optimal Path to your consumer financial health initiatives to help your customers and members advance their credit health.

  • Provide a new free service to your suite of consumer engagement offerings
  • Provide customers, members, and employees with a way to help achieve their credit score goal and better manage their financial health
  • Boost satisfaction and encourage ongoing engagement to deepen relationships
  • Gain new ways to expand relationships

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Enhance Consumer Engagement

Discover how our consumer engagement solutions can help you deepen relationships
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Visit The Developer API Portal

All it takes is an API request to deliver the critical credit data consumers need to make more informed decisions.
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