TradelineMap

TradelineMap is a mobile + web AI app that connects to a user’s credit reports and turns the confusing “factors” into a concrete, account-level action plan. Instead of generic advice like “lower utilization,” it estimates which specific card or loan payoff, limit increase, or balance shift is most likely to improve the score within the next 30–60 days, and by how much. It also flags score traps: closed-but-reporting accounts, high utilization on a single card, recent inquiries, and reporting lags that make users think nothing is working. The app includes a simple simulator with guardrails (no unrealistic promises), reminders timed to statement close dates, and a “what changed” feed that explains score movement in plain language. It’s not a magic wand—results depend on bureau updates and lender reporting—but it makes the path to improvement measurable and less frustrating.