Log credit score snapshots next to the specific actions you take, with automatic score-change calculations, so you can see what's actually moving your score.
Logging the specific actions you took next to each score change shows you which ones are actually moving your score, not just generic advice.
Backed by a 30-day money-back guarantee. If it is not useful, we will refund it, no questions asked.
Generic 'improve your credit' advice lists actions like paying down cards or disputing errors, but gives no way to see which specific actions are actually moving your score.
Log your credit score snapshot every time you check it, and log every deliberate credit-affecting action (utilization changes, new accounts, disputes) in the same row as your next check. The sheet calculates the score change since your last snapshot automatically, so over a few months you can compare score changes against the actions logged in between and see which categories are actually moving your score.
We built this after noticing most credit advice is generic because it has to be; everyone's credit file is different. Logging your own actions next to your own score changes is the only way to see what's actually working for you specifically.
— DaveWays
The sheet calculates the change since your last snapshot for you, no manual subtraction.
Every deliberate action lives next to the score check that follows it, so cause and effect stay visible.
Designed to track planned actions, not encourage extra hard inquiries just to test something.
How often should I check my score?
Monthly is usually enough to see meaningful trends; checking more often isn't necessary and this tracker isn't built to encourage over-checking.
Does this pull my score automatically?
No, log the score from your existing free credit monitoring source (card issuer, credit bureau, etc.); this tracker organizes what you already have access to.
What if I open a new account and my score drops?
Log it anyway; a temporary drop from a new account is common and the trend over several months matters more than one snapshot.
Credit Score Improvement Tracker (Free Preview) — download a condensed version free, no purchase required, to see if it's a fit before you buy.
Credit Score Improvement Tracker is $12.99 USD, one-time payment, instant delivery, no subscription. Covered by our 30-day money-back guarantee. See our refund policy and terms.
