Credit Score Simulator
See how different financial actions can impact your credit score over time
Current Credit Profile
Enter your current credit score and utilization
Range: 300 - 850
⚠ Try to reduce below 30%
Credit Score Factors
Adjust these factors to simulate how they affect your score
Neutral
On-time payments improve your score, late payments hurt it
Neutral
Older accounts improve your score, closing old accounts can hurt
Neutral
Too many new accounts in short time can lower your score
Neutral
Having different types of credit (cards, loans) can help
12-Month Credit Score Projection
See how your score could change over the next year
Current Score
700
Good
Projected Score (12 months)
700
Good
Expected Change
+0
points
Understanding Credit Scores
Credit Score Ranges
800-850: Exceptional
740-799: Very Good
670-739: Good
580-669: Fair
300-579: Poor
Tips to Improve Your Score
- •Pay all bills on time, every time
- •Keep credit utilization below 30%
- •Don't close old credit accounts
- •Limit new credit applications
- •Monitor your credit report regularly
- •Diversify your credit mix over time