Equifax has introduced Optimal Path™, an AI-driven, white-labeled credit score planning tool powered by Equifax Cloud™ and patented EFX.AI, designed to help U.S. consumers and their financial partners improve credit outcomes through personalized and actionable guidance. Integrated directly with an individual’s Equifax credit profile, the planner enables users to set target VantageScore® 3.0 goals with timeframes from three months to a year. It then employs AI analytics and insights from similar credit-profiles to recommend specific monthly actions—like reducing past-due balances or lowering utilization—and provides estimated score impacts alongside monthly progress updates.
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“The Equifax Cloud has enabled us to build a strong foundation for innovation. Optimal Path is designed to turn credit data into clear, actionable guidance with recommendations that are informed not just by the current credit file, but by AI‑driven insights from similar consumers who achieved comparable score objectives,” said Mark W. Begor, CEO of Equifax. Felipe Castillo, Chief Product Officer, added that the tool’s dynamic, personalized approach drives greater engagement and financial improvement compared to static score simulators. Available via API for seamless embedding into financial health initiatives, Optimal Path empowers consumers and organizations to track improvements, adjust goals, and act continuously until milestones are reached.