Have financial goals and credit score goals showing on your account that the individual needs to work towards in order to get a home loan, car loan, personal loan or increased credit lines. It’s externally frustrating seeing a credit score then making all your ontime payments and never gaining traction or seeming like you can get ahead. If there was a light at the end of the tunnel that showed if you achieve X then your score will go to X and we can up your line or approve you for X.