(Monthly) Optimal Path

Optimal Path is an AI-driven “credit-score GPS” that analyses a consumer’s live Equifax credit file, lets the user set a target FICO®/Beacon score and time horizon (3- to 12 months), and then returns a personalised, month-by-month action plan—e.g., “pay Card A to < 30 % util by 9 Oct, keep Card B below $200,” with progress recalculated after each bureau refresh. The service is exposed as a lightweight REST/JSON API or single-page widget that drops into any digital-banking, BNPL, credit-education or D2C-fintech app.