MyRateAdvisor · FICO® Score Optimization Program
Find out how high your scores could go.
Then get a personalized strategy to help you get there: a simulation of your actual credit profile, turned into a plan that says which accounts, which balances, how much to pay down, and when.
One-time payment · Secure checkout by Stripe · MyRateAdvisor, NMLS #1598577
| Account & target | Pay down | Est. impact (pts) | When |
|---|---|---|---|
| Visa ending 4421$4,860 of $5,000 · 97% used → target under $1,450 | $3,410 | +22 to +31 | 30–45 days |
| Store card ending 0093$980 of $1,000 · 98% used → target $0 | $980 | +8 to +12 | 30–45 days |
| Mastercard ending 7710$210 of $8,000 · 3% used → keep under 9% | $0 | — | — |
| Auto loan$14,200 remaining · on time → no change | $0 | — | — |
| Total | $4,390 | +30 to +43 | 1–2 cycles |
Every plan is prepared by a MyRateAdvisor advisor from your own credit reports, then walked through with you.
What you get
Every line of your plan answers five questions.
FICO Score Optimization analyzes your current financial profile using advanced simulation technology to identify opportunities to maximize your scores. Instead of generic advice, you receive a personalized action plan showing:
- Account
Which accounts may be impacting your scores
- Target balance
Which balances to target
- Pay down
How much to potentially pay down
- Est. impact
The estimated impact of specific actions
- Timeframe
The timeframe in which score changes may occur
How it works
Simulation, not guesswork.
Enroll
Two minutes: your name, email, phone, and secure payment through Stripe. A confirmation email with next steps arrives right away.
Secure intake
Your advisor reaches out within one business day with a short questionnaire and simple instructions for sharing your credit report information securely.
Simulation
Your current financial profile is analyzed using advanced simulation technology to identify the accounts and balances with the most impact on your scores.
Your plan and walkthrough
A written action plan with your targets, estimated impact, and timeframe, plus a walkthrough so you know exactly what to do first.
Already have a good score?
From good to great.
This isn’t just for people struggling with their scores. Optimization can help determine whether there’s an opportunity to move from good to great and potentially qualify for better financial terms.
Whether you’re planning to buy a home, refinance, access home equity, finance a vehicle, rent, apply for financing, or simply strengthen your financial position, knowing how to maximize your FICO scores can give you more options.
- Buy a home
- Refinance
- Access home equity
- Finance a vehicle
- Rent
- Apply for financing
- Strengthen your financial position
- Poor300–579
- Fair580–669
- Good670–739
- Very Good740–799
- Exceptional800–850
Questions
Straight answers.
Is this credit repair?
No. Credit repair companies dispute items on your reports. This program analyzes your actual profile with simulation technology and gives you a plan of specific actions you take yourself, such as which balances to pay down and by how much.
I already have a good score. Is this for me?
This isn’t just for people struggling with their scores. Optimization can help determine whether there’s an opportunity to move from good to great and potentially qualify for better financial terms.
What do I need to provide?
After you enroll, your advisor sends a short intake questionnaire and instructions for sharing your credit report information securely. You never need to send account numbers or passwords by email.
How quickly could my scores change?
It depends on which actions you take and when your lenders report. Your plan lists an estimated timeframe for each action; balance changes on cards usually show up after the next statement reports.
Is a score increase guaranteed?
No. Results vary based on individual circumstances, lender reporting, scoring models and other factors. No specific score increase or timeframe is guaranteed. What you get is a clear, personalized strategy built from your actual profile.
Get started
Know your potential. Get the strategy. Maximize your score.
Enter your details and complete secure payment. You’ll get a confirmation email right away with what to expect next.
- A MyRateAdvisor advisor prepares your plan and walks you through it.
- One-time payment. No subscription, no upsell.
- Works whether your scores are fair, good, or already strong.
- Your information is used only to deliver your optimization.