Credit Score Simulator

See how different financial actions can impact your credit score over time.

Simulate Your Credit Score
Adjust the factors in this Credit Score Simulator to see their potential impact.

Range: 300 - 850

Lower is generally better (aim for <30%).

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Simulated Credit Score Over 12 Months

Projected Score in 12 Months: N/A
Understanding Credit Score Factors
  1. Payment History (35%): Your track record of paying bills on time. Late payments can significantly lower your score.
  2. Amounts Owed (30%): Credit utilization—keeping it below 30% is key.
  3. Length of Credit History (15%): The longer your accounts have been open, the better.
  4. New Credit (10%): Opening too many new accounts in a short period can hurt your score.
  5. Credit Mix (10%): A healthy mix of credit types can help.
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