# User - Score Up

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Generate **Score Up** credit-score improvement guidance on demand. The user picks a target score increase and a time horizon; the response returns a primary action plan plus alternative pathways for different goal/horizon combinations.
**Authentication.** User access token. The token's user must match the resource owner.
**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.
Learn more: [Score Up](/client-spec/products#score-up).

 - [GET /users/efx-score-up](https://crsintegration.redocly.app/client-spec/user-score-up/getscoreup.md): Returns personalized credit score improvement recommendations based on the user's current credit profile. Includes direct and possible pathways with projected score increase. **Parameters:** Pass `sco