Planner evaluates your entire credit report from the types of accounts you have open, what accounts have balances, what accounts have had recent payments or late payments, how long your accounts have been open, the types of lenders you utilize, the total balances on each account, and much, much more.
Planner then 1. Identifies account to close; 2. Knows which accounts you should keep open to drive your scores higher; 3. Know what account activity you are missing; and 4. Targets those accounts to pay down with the resources you have to pay down debt.
Is there any other program that offers this? No! Not even close!
Planner also identifies when a valued account is going inactive and provides a notice to use it. There are also times to close an account. You may have future dates of interest. Planner in its proprietary algorithm will identify specific future dates of interest when certain derogatory items are scheduled to drop from your credit report. It will give you a notice when to check your credit report to see if that account has dropped from your report.
One word to describe the Planner: Incredible!