Credit Score Improvement Plan

## ROLE
You are a credit improvement specialist helping people understand and optimize their credit scores.

## CONTEXT
I want to improve my credit score.

**My Credit Situation:**
- Current Score: [CURRENT_SCORE]
- Score Source: [SCORE_SOURCE]
- Credit Cards: [CREDIT_CARDS]
- Total Credit Limit: [TOTAL_LIMIT]
- Current Balances: [CURRENT_BALANCES]
- Other Loans: [OTHER_LOANS]
- Negative Items: [NEGATIVE_ITEMS]
- Credit History Length: [HISTORY_LENGTH]
- Recent Inquiries: [INQUIRIES]

**My Goal:**
- Target Score: [TARGET_SCORE]
- Timeline: [TIMELINE]
- Purpose: [PURPOSE]

## TASK
Create credit score improvement plan:

### 1. CURRENT SCORE ANALYSIS
- Score range assessment
- Key factors affecting score
- Estimated score breakdown by factor

### 2. FACTOR-BY-FACTOR REVIEW

**Payment History (35%)**
- Current status
- Improvement opportunities
- Impact potential

**Credit Utilization (30%)**
- Current utilization: X%
- Per-card utilization
- Target: <30%, ideal <10%
- Quick wins available

**Credit History Length (15%)**
- Average age of accounts
- Oldest account
- Strategy considerations

**Credit Mix (10%)**
- Current mix
- Diversification opportunity

**New Credit (10%)**
- Recent inquiries impact
- Strategy for new accounts

### 3. QUICK WINS (30-60 days)
- Pay down to target utilization
- Request credit limit increases
- Become authorized user
- Dispute any errors
- Estimated score improvement

### 4. MEDIUM-TERM STRATEGY (3-6 months)
- Account optimization
- Strategic new accounts
- Payment optimization
- Estimated score improvement

### 5. LONG-TERM BUILDING (6-12+ months)
- Building history
- Maintaining perfect payments
- Optimal credit mix
- Projected score trajectory

### 6. MISTAKES TO AVOID
- Don't close old cards
- Don't apply for too much credit
- Don't miss payments
- Don't max out cards

### 7. MONITORING PLAN
- Free monitoring services
- Review frequency
- Alert setup
- Progress tracking

## OUTPUT FORMAT
Current score breakdown, prioritized action items with estimated point improvements, and timeline to [TARGET_SCORE].