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Your personalised plan
A specific, ranked action plan based on your actual credit profile. Not generic tips — your steps, in order.
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Users typically see score improvements within 30–90 days. A 100-point improvement can save you £30,000+ on a mortgage.
"I wish I'd had this before I applied for my mortgage. I had no idea my utilisation was wrecking my chances."
Sarah M. — first time buyer, London
£73B
UK credit card debt
outstanding
1 in 3
UK households
in financial strain
£30K+
Saved with a better
mortgage rate
5 min
To your first
personalised plan

Your score is
costing you money.
Let's fix that.

Join thousands of UK households who are taking control of their financial future with Zari.

Zari is a trading name of [Your Company] Ltd. Registered in England & Wales.
Zari provides credit education and impact analysis. This is not regulated financial advice.
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Sarah M.
Good morning, Sarah
Your score improved +18 points since last month. Here's your full picture.
EXPERIAN SCORE
683/999
Fair — improving ↑
Up +18 pts since last month
0999
What's affecting your score
Credit utilisation 87% — High
Payment history 100% on-time
Hard searches 2 this year
️
Electoral roll Not registered
Account age 6.2 year avg
Your action plan — top 3 moves
️
Register to vote
You're not on the electoral roll — a free, 5-minute fix that lenders specifically check for.
+15–25 points estimated
Reduce card utilisation
Pay your Barclaycard balance down to under £900. That takes you from 87% to the magic 30% threshold.
+30–50 points estimated
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Ask Zari anything
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683
Fair / Experian
↑ +18 this month
Your Profile
Utilisation
87%
Payments
100%
Hard searches
2 / yr
Electoral roll
No
Account age
6.2 yrs
Open accounts
3
Ask Zari
✦

Zari

Analysing your profile

✦
Zari
Hi Sarah. I've looked at your full credit profile.

Your score is 683/999 — Fair band, and moving in the right direction with +18 points last month. Good start.

Your biggest opportunity right now is your credit utilisation sitting at 87%. That's the single thing holding your score back most. Ask me anything — I'm here to give you real answers, not generic tips.
Action Plan
1
Register to vote
+15–25 pts
2
Reduce utilisation
+30–50 pts
3
Pause applications
Protect score
4
Keep 100% payments
Maintain base
Snapshot
Score: 683 / 999
Card limit: £3,000
Balance: £2,610 (87%)
Accounts: 3 open
Oldest: 8 years
Missed payments: None
For education only. Zari provides credit information and impact analysis — not regulated financial advice. Consider your full circumstances before applying for any credit product.