What credit monitoring apps show you
“Your score is 640.”
A number, a band, and a chart of the past.
No answer to the thing you actually came for.
Don't apply and hope. Know before you go.
You got denied because
you didn't know what lenders were looking for.
Now you can see what matters, build your plan, and apply with confidence.
Checking here never affects your credit score. Approval Paths is not a lender.
Approval Score$35,000 auto loan
Likely to Be Approved
Estimated APR7.9 – 10.9%
Ready to applyIn about 3 weeks
Illustrative example. Estimates are educational, not a credit decision or an offer.
Most tools stop at the score.
A number on its own can't tell you whether to apply. Same profile, two very different answers.
What Approval Paths tells you
“Your score is 640. That's why the $35,000 auto loan you want will likely get denied. Here are the 3 things blocking you — and you'll be ready to reapply in about 47 days.”
Odds for a specific purchaseRanked blockersReady-by date
How it works
01
Answer four quick questions
Your goal, what you're applying for, your credit and your finances. About two minutes, no sign-up.
02
See what we found
We show you how many issues may be limiting your approval for that exact purchase, and how serious they are.
03
Unlock with a free trial
Add your details and start the free trial. Your score and what to fix first open right away.
04
Keep your plan
Stay on and we guide you step by step and tell you when to apply. Cancel any time.
What are you trying to get approved for?
Pick one and we'll set up the calculator for it.
What people say
From people who checked their Approval Path before they applied.
“I got turned down in March and had no idea why. Approval Paths said it was utilization and one late payment. I paid two cards down and got approved in June.”
“I was about to apply for a mortgage with two fresh inquiries on file. Waiting eleven weeks cost me nothing and saved me a denial.”
“It didn't lecture me. It told me the three things standing between me and the card I wanted, in order.”
“My score barely moved, but my Approval Score went from 48 to 79 once I fixed utilization. That was the part nobody explained.”
“I checked before applying instead of after. Saved myself two hard inquiries and about four months.”
“The ready-by date was the thing. Having an actual week to aim for made it feel possible.”
Bank-level encryptionNo impact to your credit score to checkNot a lender — we never sell your application
Invite a friend, earn $15
Everyone who has an account gets an invite link. The first time a friend you invited pays for their plan, you earn $15 — put it toward a month of your subscription or ask us to pay you.
01
Share your link
Every account has one, on your profile page. It remembers your friend for 90 days.
02
They start paying
Their plan, once the first real payment goes through. A signup or a free trial on its own earns nothing.
03
You earn $15
Put it toward a month of your subscription, or ask us to pay you.
Create an account to invite
One reward per friend, paid the first time they pay. You can't refer yourself, and a refunded payment takes the reward back.
See exactly where you stand — then let us get you there.
Run the calculator free · Try Build My Plan free for 7 days · Then $14.99/mo