Credit Factor Tracker
Stop guessing what's actually moving your credit score. This printable tracker breaks down the 5 factors that make up your FICO score — and gives you a simple place to write your current numbers, set a goal, and track progress every month.Most credit score advice is vague. This isn't. You'll see exactly how much each factor is worth (35%, 30%, 15%, 10%, 10%), what to actually do about it, and a monthly check-in system so you can watch your habits translate into real progress.What's inside:2-page printable PDF worksheet (navy & gold design)A dedicated tracking section for each of the 5 credit score factors: payment history, credit utilization, length of credit history, credit mix, and new credit/hard pullsFill-in fields for your current status and your goal on each factorMonthly check-in boxes (6-month tracker) so you can mark progress as you goA Score Snapshot section to log your actual credit score at Today / 30 / 60 / 90 daysBuilt for real life — no jargon, no fluff, just what actually moves the numberWho this is for:Hourly workers, gig drivers, and anyone tired of financial advice that assumes a 9-5 salary and a clean credit history. If you're rebuilding, building from scratch, or just want to stop being confused about your score, this is your starting point.How to use it:Print it out, fill in where you stand today, pick one goal per factor, and check back in monthly. Utilization (factor #2) moves the fastest — start there if you want quick wins while the slower factors catch up.Instant digital download. Print at home, no shipping.
Get it → dirtroaddividends.gumroad.com