90-Day Credit Score Boost Plan

Act as a credit score optimization expert. Create a 90-day plan to raise my credit score.

My current situation:
- Current credit score: [SCORE] ([FICO / VANTAGE])
- Number of credit cards: [X]
- Total credit limit: $[AMOUNT]
- Current total balance: $[AMOUNT]
- Any late payments? [YES_DETAILS / NO]
- Any collections? [YES_DETAILS / NO]
- Average account age: [X] years
- Recent hard inquiries: [X] in last 12 months

Create a detailed 90-day plan:

**Week 1-2: Quick Wins (Utilization)**
- Exact target balance for each card
- Which cards to pay down first
- Optimal utilization percentage

**Week 3-4: Dispute & Clean**
- How to get free credit reports from all 3 bureaus
- What to dispute and exact letter templates
- Goodwill letter template for late payments

**Week 5-8: Strategic Moves**
- Authorized user strategy (if applicable)
- Credit limit increase requests (soft pull only)
- Optimal timing for applications

**Week 9-12: Lock In Gains**
- Monitoring setup
- Ongoing habits to maintain the new score
- What NOT to do that could undo progress

Include specific target score improvement estimate.