Rebecca Oakes, VP of Analytics at Equifax Canada, introduces Optimal Path, an AI-driven tool that translates your credit data into realistic, step-by-step actions to raise your credit score. Think concrete guidance on utilization, payment consistency, and balances, plus estimated point gains over the next ~3 months. Rebecca explains how the model personalizes advice (not one-size-fits-all), where consumers will access it via banks/fintechs, and how AI can both improve coaching and combat fraud. Clear, actionable insights for Canadians looking to build stronger credit.

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