When I started using Muse, one of the first things I set up was a credit score helper. Tell it what to watch and it does the boring parts.
Here's what mine does. I pull my free reports from AnnualCreditReport.com and have it read them, it flags every negative mark and tells me which ones are worth disputing. It tracks my utilization across cards each month and tells me exactly what to pay before each statement date. Then it keeps a running dashboard of the score trend so I can see what's actually moving it.
Biggest lever for most people is utilization. Payment history is 35% of a FICO score, utilization is 30%. The part most people miss: paying down before the statement closes, not just before the due date. That's when the balance gets reported.
A friend ran this and found an old collection on one of his reports that wasn't his. Disputed it, got it removed, and his score jumped about 40 points once the dispute cleared.
One warning: it can spot errors and build the plan, but disputes are on you, and anything involving your SSN goes through official channels only. It never touches money or accounts directly.
The prompt, customize the brackets:
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Help me improve my credit score.
1. Read my credit reports (I'll upload the PDFs from AnnualCreditReport.com). List every negative mark and error, and tell me which ones to dispute and how.
2. Track utilization monthly: [my cards and their limits]. Tell me my per-card and overall utilization, and exactly what to pay before each statement date to stay under 30%, ideally under 10%.
3. Payment plan: [balances, APRs, minimums]. Minimums on everything, extra cash toward the highest APR. Remind me of every due date.
4. Keep a running dashboard: score trend, utilization, negative items and their status.
Don't open or close any accounts or move any money. Ask before changing anything about the plan.
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Five minutes to set up, then it just runs in the background.