Free planning tool
Personal Improvement Plan
Generate a practical UK-focused action plan from your credit-file factors and goals. This is educational only and does not predict scores, approval or outcomes.
Plans can be saved locally in this browser and exported as a text file for your own records.
Your plan will appear here
Generate a plan to see priority actions, quick wins, timelines, warnings and opportunities.
Saved plans
How to use it
Treat the plan as a checklist, not a prediction.
The plan helps prioritise practical steps such as report checks, electoral roll updates, application pauses, utilisation reduction and payment stability. Lenders may consider their own criteria and this tool does not promise outcomes.
FAQ
Does the personal improvement plan predict credit score changes?
No. The plan is an educational action checklist only and does not predict credit scores, lender decisions or outcomes.
Can I save my plan?
Yes. Saved plans use localStorage in your browser only. There is no backend account or server storage.
Can I export the plan?
Yes. The export button downloads a plain text summary for your own records.
Can this promise acceptance?
No. Lenders use their own criteria and this tool does not promise acceptance or any particular result.