Score: Check

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.

Alert: "You are 15 points away from 'Exceptional' status. Keeping your utilization below 10% this month could bridge the gap." :

A single-view comparison of scores from major bureaus like , Equifax , and TransUnion , highlighting discrepancies that might indicate errors or fraud . Goal-Based Coaching : score check

Instead of a simple up/down arrow, the feature provides a of recent changes.

Predictive notifications when a user is close to a new "Credit Tier" (e.g., moving from "Good" to "Exceptional"). Users set a goal (e

AI responses may include mistakes. For financial advice, consult a professional. Learn more How to check your credit score for free | TD Canada Trust

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." : Keeping your utilization below 10% this month could

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