Has anyone tried a credit score app that gives real actionable tips (not just tracking)?

I’ve been trying to rebuild my credit lately and honestly most apps I’ve tested feel kind of… passive. They just show the number going up or down, but don’t really tell you what to do next.

I’m specifically looking for a credit score app that actually gives clear, actionable steps – like “pay this first”, “reduce this utilization”, or “this is hurting you right now”.

Right now I’m testing a couple options and came across [https://credit-genius.com/\](https://credit-genius.com/) – seems a bit more focused on guidance vs just tracking, but I’m still figuring out if it’s actually helpful long-term.

Curious if anyone here has used a credit score app that genuinely helped improve their score, not just monitor it? What worked for you?