# User - Optimal Path

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Generate and track a long-form credit-improvement plan. The user picks a target score (301–850) and a duration (3–12 months); the response returns prioritized account-level recommendations, monthly score projections, top contributing factors, and difficulty ratings.
**Authentication.** User access token. The token's user must match the resource owner.
**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.
Learn more: [Optimal Path](/client-spec/products#optimal-path).

 - [GET /users/efx-optimal-path](https://crsintegration.redocly.app/client-spec/user-optimal-path/getoptimalpathplan.md): Returns the user's current Optimal Path plan including score projections, recommendations, and progress tracking. **Flow:** A plan must have been previously generated via `POST /users/efx-optimal-path
 - [POST /users/efx-optimal-path](https://crsintegration.redocly.app/client-spec/user-optimal-path/generateoptimalpathplan.md): Generates a new Optimal Path plan with the specified `targetScore` and `duration`. The previous plan will be deleted and progress tracking will reset for the new plan. **Parameters:** Valid `duration`
 - [GET /users/efx-optimal-path/{config}](https://crsintegration.redocly.app/client-spec/user-optimal-path/getoptimalpathplanbyconfig.md): Returns a specific view of the Optimal Path plan. **Parameters:** The `{config}` path parameter controls the response detail. Use `op-simple` for the summary only, or `op-full` for the complete respon