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 purchase
Ranked blockers
Ready-by date
How it works
-
01
Tell us the goal
The specific car, home, card, or loan you're trying to get approved for.
-
02
Get your Approval Score
A 0–100 read on your odds, plus the terms you'd likely see today.
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03
See what's blocking you
Every gap, ranked by how many points it's actually costing you.
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04
Follow your path
Sequenced steps with dates. Track progress until you're ready to apply.
What are you trying to get approved for?
Pick one and we'll set up the calculator for it.
What people say
“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 encryption
No impact to your credit score to check
Not a lender — we never sell your application
Start free. Upgrade when you want the plan tracked.
Free score check · Starter $19/mo · Pro $59/mo · Done-With-You $147/mo