Credit Score Simulator
See how different financial actions could impact your credit score before you make them.
Your Current Credit Profile
Poor (300)
Fair
Good
Excellent (850)
30%
0%
50%
100%
Simulate Credit Actions
Understanding Credit Score Factors
Payment History (35%)
The most important factor. Always pay at least the minimum on time.
On-time payments
Positive impact
30 days late
-60 to -110 points
60+ days late
-110+ points
Credit Utilization (30%)
Keep credit card balances low relative to limits.
Under 10%
Excellent
10-30%
Good
Over 30%
Needs improvement
Credit History Length (15%)
Longer credit history is better. Keep old accounts open.
- • Average age of all accounts matters
- • Don't close your oldest cards
- • New accounts lower average age
Credit Mix & New Credit (20%)
Variety of credit types and limiting new applications.
- • Mix of cards, loans, mortgage helps
- • Hard inquiries impact score for 1 year
- • Multiple inquiries in 14-45 days count as one
Quick Tips to Improve Your Score
Do These:
- Pay all bills on time, every time
- Keep credit utilization under 30%
- Check credit reports for errors
- Consider becoming an authorized user
Avoid These:
- Closing old credit cards
- Applying for multiple cards at once
- Maxing out credit cards
- Missing any payments