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Profile Monitoring

Live sync with Equifax, Experian, and TransUnion.

Last synced: 2 hours ago
Top FICO
645
Strongest bureau position
Lowest FICO
638
Primary repair focus
Target Distance
82 pts
Needed to clear 720 across all bureaus
Accounts Tracked
8
Revolving and installment
Personal Profile
Equifax
642/ 850
In Progress
+8 pts this month
Experian
638/ 850
In Progress
-2 pts this month
TransUnion
645/ 850
In Progress
+5 pts this month
Business Profile
D&B PAYDEX
72/ 100
In Progress
+3 pts this month
Experian Business
70/ 100
In Progress
+3 pts this month
Equifax Business
64/ 100
In Progress
-1 pts this month
Secondary Bureaus
Monitored
Innovis
Clean
Identity file reviewed with no blocking errors currently.
LexisNexis
Review
Public-record and personal-information file should be refreshed before the next dispute cycle.
SageStream
Clean
No active alerts adding pressure to the file right now.
CoreLogic
Watch
Address and property history should be verified before lender submissions.
Equifax Trend
6-month gain+24 pts

Active Alerts

InquiryInfo
New hard inquiry from Discover Financial on TransUnion
Apr 2, 2026
Balance ChangeAttention
Capital One balance increased by $1,200
Apr 1, 2026
Score UpdateInfo
Equifax score increased from 640 to 642 (+2 points)
Mar 31, 2026
Bureau History
Nov
618
615
620
Dec
625
621
628
Jan
630
628
633
Feb
635
632
638
Mar
638
638
633
Apr
642
638
645
Equifax
Experian
TransUnion
In Progress
Score Trend Analysis
Your scores have increased an average of 4.5 points per month over the last 6 months. At this rate, you'll reach your 720 target in approximately 4 months.

Profile Health

Utilization
14% across all revolving accounts. Target is < 30%.
Good
Payment History
2 Negative items detected. Blocking funding readiness.
Poor
Profile Age
Average age: 4.2 years. Target is 5+ years.
Fair
Hard Inquiries
4 inquiries in last 6 months. Target is < 3.
Fair
Total Accounts
8 open accounts. Mix of revolving and installment.
Good
Public Records
No bankruptcies, liens, or judgments found.
Good
Monitoring Activity
Live
ProfileDaily score check completed -- Equifax +2, Experian unchanged, TransUnion +1
2h ago
ProfileNew hard inquiry detected on TransUnion -- Discover Financial
1 day ago
ProfileUtilization recalculated -- 14% across all revolving accounts
1 day ago
ProfilePayment history updated -- all accounts current this cycle
2 days ago