RJ Financial Readiness OS™

Good morning, Jordan 👋

Here's your financial readiness overview for

TransUnion Score

712

GOOD

▲ +8 pts

vs. last month

BUREAU DATA

Equifax Score

705

GOOD

▲ +3 pts

vs. last month

BUREAU DATA

Experian Score

698

GOOD

→ No change

vs. last month

BUREAU DATA

Utilization

34%

Goal: below 30%

Open Accounts

8

4 revolving · 4 installment

Negative Items

2

1 collection · 1 late

Recent Inquiries

3

Last 12 months

Credit Momentum™

↑ IMPROVING

30 Days

▲ +11

90 Days

▲ +19

12 Months

▲ +44

CALCULATED

RJ Credit Health Index™

EXPERIMENTAL

72

GOOD STANDING

Your credit profile is in good shape. Focus on reducing utilization to push above 80.

RJ analytical tool — not a FICO® or bureau score. MODEL OUTPUT

What Changed?™

Revolving balance decreased $940

Utilization improved from 44% → 36%

1 new inquiry added

Experian — Auto lending inquiry

Collection account remains

Medical — $482 — Equifax only

Active Goal

🏠

Buy a Home

Target: Q4 2026

Readiness Progress64%

Score target: 740+ · Current avg: 705 · Need +35 pts

Credit Overview

Your complete 3-bureau credit picture BUREAU DATA

Credit Utilization Center

BUREAU DATA

34%

Overall Utilization

Total Reported Balance: $8,200

Total Available Credit: $24,100

0%30% goal100%

Account	Balance	Limit	Utilization	Status
Chase Sapphire	$2,400	$8,000	30%	Current
Capital One Quicksilver	$3,100	$7,500	41%	Current
Citi Double Cash	$1,800	$5,600	32%	Current
Discover It	$900	$3,000	30%	Current

Report Change Radar™

BUREAU DATA

2 NEW 3 CHANGED 1 REMOVED 1 REVIEW

NEW: Account status update

Chase — payment posted, balance updated

CHANGED: Capital One balance

$3,820 → $3,100 — reported lower balance

REMOVED: Satisfied collection

Medical — $210 — removed from Experian

REVIEW: Remaining collection

Medical — $482 — Equifax only — verify accuracy

What Changed?™

CALCULATED

Your reported revolving balance decreased by $940 since your last snapshot.
Your utilization changed from 44% to 36%.
One new inquiry appeared on Experian.
One collection was removed from Experian — $210 medical.
One collection remains on Equifax only — $482 medical.

Score Trend (12mo)

Aug

All Accounts

Account	Type	Opened	Balance	Payment	Status	Bureaus
Chase Sapphire Preferred	Revolving	Mar 2019	$2,400	On Time	Current	TU · EQ · EX
Capital One Quicksilver	Revolving	Jul 2020	$3,100	On Time	Current	TU · EQ · EX
Citi Double Cash	Revolving	Nov 2021	$1,800	On Time	Current	TU · EQ
Discover It	Revolving	Feb 2022	$900	On Time	Current	TU · EQ · EX
Toyota Financial	Auto Loan	Sep 2022	$14,200	On Time	Current	TU · EQ · EX
Navient Student Loan	Student	Aug 2018	$22,400	On Time	Current	TU · EQ · EX
Medical Collection	Collection	Jan 2024	$482	—	Negative	EQ only
Comenity Bank	Revolving	Oct 2017	$0	On Time	Current	TU · EX

Improve

Advanced credit improvement, simulation, and debt optimization tools

RJ Credit Health Index™ — Full Breakdown

EXPERIMENTAL · MODEL OUTPUT

72

out of 100

GOOD STANDING

Payment Consistency (35%)94/100

Utilization (28%)62/100

Negative Information (15%)45/100

Credit History (10%)78/100

Recent Activity (6%)55/100

Credit Mix (4%)80/100

Balance Momentum (2%)85/100

This index is an RJ analytical and educational tool. It is not a FICO® score, VantageScore, or credit bureau score. It does not predict lender decisions. Do not represent this score to lenders.

What-If Lab™

PRO PLUS+

Simulate financial moves. Your real data is never changed. SIMULATION

Extra Payment Toward Cards

Monthly Extra Debt Payment

New Utilization

—

Est. Balance

—

Est. Health Index

—

Estimates only. Does not guarantee score changes. SIMULATION

Debt Optimizer™

PRO PLUS+

Compare payoff strategies using your current debt data. CALCULATED

Total Monthly Payment Budget

🏔 AVALANCHE

Total Interest

—

Payoff

—

⛄ SNOWBALL

Total Interest

—

Payoff

—

💳 UTILIZATION

Total Interest

—

Payoff

—

💰 CASH-FLOW

Total Interest

—

Payoff

—

Dispute Workspace

PRO PLUS+

Member-controlled organization for legitimate credit-report concerns. We do not file disputes on your behalf. Never manufacture inaccurate disputes.

Item	Bureau(s)	Status	Next Action	Due
Medical Collection — $482	Equifax	In Review	Send validation request	Sep 15, 2026
Late Payment — Citi 2023	TU · EQ · EX	Monitoring	Await response	Oct 1, 2026

Plan

Goal tracking, calculators, and your 90-day action plan

Credit Goal Tracker

🏠 Home — Active

🚗 Auto

💳 Credit Health

💰 Debt Reduction

🏢 Business

🏠 Buy a Home — $380,000 target

64% Ready

Score Target

740+

Need +35 pts avg

Utilization Target

<30%

Currently 34%

Debt-to-Income Target

<43%

Est. 38% ESTIMATED

90-Day Credit Action Plan™

PRO PLUS+

DAYS 1–30 · UNDERSTAND

✅ Review all 3 credit reports

✅ Identify the medical collection ($482)

🔲 Send validation request to Equifax

🔲 Pay Capital One to below 30% ($525)

🔲 Set up autopay on all accounts

DAYS 31–60 · MONITOR

🔲 Check for collection response

🔲 Verify utilization updated on reports

🔲 Review inquiry status (3 inquiries)

🔲 Begin saving for down payment

🔲 Get mortgage pre-qualification estimate

DAYS 61–90 · EVALUATE

🔲 Check score change vs. 30-day baseline

🔲 Review if collection resolved

🔲 Assess DTI with mortgage scenario

🔲 Consult with mortgage lender

🔲 Run full readiness check

Calculator Vault

💳 Utilization Calculator

Total Balance ($)

Total Limit ($)

Utilization Rate

34%

CALCULATED

📊 DTI Calculator

Gross Monthly Income ($)

Monthly Debt Payments ($)

Back-End DTI

17%

ESTIMATED

💰 Savings Goal Calculator

Goal Amount ($)

Monthly Savings ($)

Months to Goal

25

CALCULATED

Prepare

Complete readiness labs for your next major financial goal ULTIMATE

KNOW BEFORE YOU APPLY™

ULTIMATE

Choose your preparation goal to assemble your personalized readiness environment.

🏠 Home Purchase Readiness — $380,000

Avg Score

705

Need 740+

Utilization

34%

Target 30%

Negatives

2

Address these

Est. DTI

38%

Below 43% ✓

Preparation Checklist:

✅ Monitoring active on all 3 bureaus

✅ Payment history — no recent lates

⚠️ Score — need 740+ for best rates (currently avg 705)

⚠️ Utilization — target below 30% (currently 34%)

❌ Collections — resolve $482 medical (Equifax)

🔲 Down payment — 20% = $76,000 or explore FHA/USDA

🔲 Pre-qualification — run scenarios below

This is a readiness preparation tool, not a lender decision. Lenders make their own assessments. ESTIMATED

Complete Mortgage Intelligence Lab™

ULTIMATE

Purchase Price ($)

Down Payment ($)

Interest Rate (%)

Term (years)

Property Tax/mo ($)

Insurance/mo ($)

HOA/mo ($)

Gross Monthly Income ($)

P&I Payment

—

Total Housing Cost

—

Total Interest

—

Est. Housing DTI

—

Estimates only. Rate and terms vary by lender and creditworthiness. ESTIMATED

Auto Finance Intelligence Lab™

ULTIMATE

Vehicle Price ($)

Down Payment ($)

Trade-In Value ($)

Trade Payoff ($)

APR (%)

Term (months)

Sales Tax (%)

Fees ($)

Monthly Payment

—

Amount Financed

—

Total Interest

—

Trade Equity

—

Estimates only. Actual rate determined by lender. ESTIMATED

RJ AI Financial Readiness Coach™

Ask questions grounded in your authorized credit data and financial profile

⚖️ CROA-Compliant AI: Coach provides educational guidance only. It does not guarantee credit score changes, file disputes on your behalf, or make lender decisions. Always verify with qualified professionals for legal or major financial decisions.

RJ Coach™ — Hi Jordan! I can see your credit profile. Your average score is 705 and you're working toward your home purchase goal. What would you like to explore today?

Try asking: "What changed this month?" · "Explain my utilization" · "Run a $380,000 mortgage scenario" · "Compare payoff strategies" · "Build my 90-day plan"

Member Benefits

Resources and opportunities for RJ Financial Readiness OS members

⚠️ Access to the following categories connects you with third-party partners. RJ does not claim you are approved or pre-approved unless the actual provider has made that determination.

🏠

Mortgage Partners

Connect with mortgage professionals who understand credit-building journeys

🚗

Auto Financing

Auto lending options for various credit profiles

💳

Financial Products

Credit cards, secured cards, and credit-building products

🏢

Business Funding

Business credit and funding resources for entrepreneurs

🛡

Financial Protection

Identity protection, insurance, and financial safety resources

📚

Education Center

Courses, guides, and resources on credit, debt, and financial readiness

Account

Membership, billing, and settings

Current Membership

ACTIVE PLAN

Ultimate Credit Suite

$99.95/month

Powered by MyFreeScoreNow + RJ Intelligence

Next billing: September 30, 2026

Member since: March 15, 2026

Plan Comparison

Epic Pro

$39.95/mo

Monitor + Understand · 3-Bureau Foundation + Credit Command Center

Pro Plus

$67.95/mo

Analyze + Work + Prepare · Adds What-If Lab, Debt Optimizer, Dispute Workspace

⭐ Ultimate — CURRENT

$99.95/mo

Full OS · Everything including AI Coach, Digital Twin, all Labs

Account Settings

Full Name

Jordan Davis

Email

jordan.davis@email.com

Phone

(505) 555-0182

MFSN Member ID

MFSN-8847291

Active Goal

🏠 Buy a Home — Q4 2026

Email Alerts

Score changes, new accounts, inquiries, negative info

Good morning, Jordan 👋

Credit Overview

Credit Utilization Center

Report Change Radar™

What Changed?™

All Accounts

Improve

RJ Credit Health Index™ — Full Breakdown

What-If Lab™

Unlock What-If Lab™

Debt Optimizer™

Unlock Debt Optimizer™

Dispute Workspace

Unlock Dispute Workspace

Plan

Credit Goal Tracker

90-Day Credit Action Plan™

Unlock 90-Day Action Plan™

Calculator Vault

Prepare

KNOW BEFORE YOU APPLY™

Unlock Know Before You Apply™

Complete Mortgage Intelligence Lab™

Unlock Mortgage Intelligence Lab™

Auto Finance Intelligence Lab™

Unlock Auto Finance Intelligence Lab™

RJ AI Financial Readiness Coach™

Unlock AI Coach™

Member Benefits

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Current Membership

Plan Comparison

Account Settings

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