# Score Up

## Score Up
**What it is.** An on-demand score-improvement engine. The user (or you, on their behalf) provides a target score increase and a time horizon, and Score Up returns a **direct pathway** — concrete recommendations across payment behavior, credit utilization, balance reduction, and new-credit pacing — plus a list of **alternative pathways** for different goal-and-horizon combinations.
**What it's for.** Answering the single most common question a credit-monitoring user asks: *“what should I actually do to raise my score?”* Use it to drive engagement, increase retention, and create a clear next-action moment in the product.
**Bureau coverage.** **Equifax only.** Score Up 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-score-up)

Version: v3

## Description:

  - `Score Up` ()
    What it is. An on-demand score-improvement engine. The user (or you, on their behalf) provides a target score increase and a time horizon, and Score Up returns a direct pathway — concrete recommendations across payment behavior, credit utilization, balance reduction, and new-credit pacing — plus a list of alternative pathways for different goal-and-horizon combinations. What it's for. Answering the single most common question a credit-monitoring user asks: “what should I actually do to raise my score?” Use it to drive engagement, increase retention, and create a clear next-action moment in the product. Bureau coverage. Equifax only. Score Up 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 →