Abstract: Computer-implemented systems, products, and methods for receiving data characterizing a set of user-define parameters from a first entity including at least a target assessment rating and a target time duration; simulating, based on the received data, one or more scenarios, wherein each of the one or more scenarios is associated with a set of action items; determining a total score for each set of action items for each scenario; removing, using an analytic decision tree, any scenario from the one or more scenarios that includes a total score that fails to satisfy a set of predetermined criteria; determining an efficiency factor associated with each of the one or more remaining scenarios; and providing the remaining one or more scenarios in a hierarchical position based on the efficiency factor.

Abstract: Computer-implemented methods, systems and products, the method comprising determining an entity's credit score, the entity's credit score being based on a set of weighted score factors; receiving a target credit score and a target time duration for achieving the target credit score; generating, for display on a graphical user interface of a computing device, at least one of a planning statement or a set of action items based on an analysis of at least the entity's credit score in view of the target credit score and the target time duration.

Abstract: A system and method to analyze the difference between a consumer's baseline credit score at one point in time and the consumer's credit score at a later point in time, and process the score difference to determine the factors in the consumer's credit profile that most explain the score difference. Systems and methods provide a mechanism for generating and formatting a record, which can be displayed on a display device, to represent those main factors of score difference.