Recruit (~660–720)
On-time payer, utilization unmanaged, limits modest, no brokerage hub.
Mission: Learn the mechanics. Take control of what reports.
There's a layer of the system you were never shown.
Most people with functional credit — 660 to 740, paying on time, some savings — are running at a fraction of what's available. Not because they're doing anything wrong. Because they were never given the actual operating manual.
Use the bank's money. Keep your own. Turn the difference into income.
Credit optimization isn't about churning cards or gaming the system. It's about understanding the mechanics your bank relies on you not knowing — and running them correctly instead.
Find out where you stand.
The Credit Commando ladder has four levels. Where you are determines what you do next — and in what order.
Ranger (~720–770)
Understands basics, timing inconsistent, some investments, no margin.
Mission: Systematize. Build limits and capacity.
Commando (~770–800)
Optimized utilization, real limits, hub established, conservative margin in use.
Mission: Deploy capital. Build the income base.
General (800+)
Capital deployed, cash flow live, premium card portfolio.
Mission: Scale, separate, protect.
Where do you map?
Twenty-one questions. Four minutes. You'll know exactly where you stand and what to do next — in priority order.
Begin the free assessment