# Optimal Path

## Optimal Path
**What it is.** The long-form, AI-driven, coached version of Score Up. The user picks a **target score** (301–850) and a **duration** (3–12 months), and the plan returns **month-by-month projections**, **prioritized account-level recommendations** (e.g. *“pay $250 toward Card X by July”*), the top contributing factors, and **difficulty ratings** so the user knows what to expect. Progress is tracked over time with actual-vs-projected indicators.
**What it's for.** Use Optimal Path when you want users to commit to a multi-month journey with structured milestones — it pairs especially well with monthly engagement loops, push notifications, and gamification.
**Bureau coverage.** **Equifax only.** Optimal Path is built on Equifax data and is not offered from TransUnion or Experian, or on the Equifax 3B product. A host must have Equifax enabled to use it.
[View endpoints →](/client-spec/user-optimal-path)

Version: v3

## Description:

  - `Optimal Path` ()
    What it is. The long-form, AI-driven, coached version of Score Up. The user picks a target score (301–850) and a duration (3–12 months), and the plan returns month-by-month projections, prioritized account-level recommendations (e.g. “pay $250 toward Card X by July”), the top contributing factors, and difficulty ratings so the user knows what to expect. Progress is tracked over time with actual-vs-projected indicators. What it's for. Use Optimal Path when you want users to commit to a multi-month journey with structured milestones — it pairs especially well with monthly engagement loops, push notifications, and gamification. Bureau coverage. Equifax only. Optimal Path is built on Equifax data and is not offered from TransUnion or Experian, or on the Equifax 3B product. A host must have Equifax enabled to use it. View endpoints →