Scenario gamification to provide actionable elements and temporally appropriate advertising

A non-transitory computer readable medium, when read by one or more processors, causes the one or more processors to execute:

• an implementation engine configured to generate a first user interface including a primary marker associated with a first credit score, a secondary marker associated with a second credit score, and information associated with a first user;
• a predictive scenario engine configured to process the first credit score, the second credit score, and the information associated with the first user, with a machine learning model that is trained, in part using secondary variables, to (i) determine key variables from the information associated with the first user, pertinent to obtaining the second credit score, and (ii) determine, based in part on the key variables, a refined scenario where the first credit score has been modified to the second credit score, and to generate a set of instructions for modifying the information associated with the first user to modify the first user's credit score from the first credit score to the second credit score;
• and
• an advertising engine configured to provide advertisements to the first user.

A network device, comprising:

• one or more processors;
• and
• memory communicatively coupled to the one or more processors, the memory comprises machine readable instructions that when executed by the one or more processors, cause the one or more processors to execute:
• (i) an implementation engine component configured to generate a first user interface including a primary marker associated with a first credit score, a secondary marker associated with a second credit score, and information associated with a first user;
• (ii) a predictive scenario engine component configured to process the first credit score, the second credit score, and the information associated with the first user, with a machine learning model that is trained, in part using secondary variables, to (i) determine key variables from the information associated with the first user, pertinent to obtaining the second credit score, and (ii) determine, based in part on the key variables, a refined scenario where the first credit score has been modified to the second credit score, and to generate a set of instructions for modifying the information associated with the first user to modify the first user's credit score from the first credit score to the second credit score;
• and
• (iii) an advertising engine component configured to provide advertisements or notifications to the first user within a predetermined time frame.