Indirect and Direct Credit Optimization

Some embodiments provide computer or machine generated interfaces for maximizing an entity's credit score by rebalancing values for different credit variables constituting the credit score across different lines of credit obtained by the entity. The rebalancing is performed over primary credit variables including payment history, debt, length of credit history, new credit, and type of credit in use as well as secondary credit variables that form the primary credit variables. Some embodiments provide interfaces with adjustment tools including sliders for modifying different credit variable values and for presenting the actual real-world impact to the entity credit score resulting from the adjusted credit variable. Some embodiments further execute the rebalancing identified in the interfaces to realize the improvements to the entity's credit score.