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Credit Score Simulator
See how financial decisions might impact your credit score before you make them. This tool helps you understand potential changes to your FICO® Score based on paying off debt, opening new accounts, taking loans, or missing payments.
Your Current Credit Profile
Adjust the sliders to match your current credit situation.
Simulate Financial Actions
Select an action to see how it might affect your score.
Your Simulated Credit Score
Key Factors Affecting Your Score
Tips to Improve Your Credit Score
- Pay down credit card balances - Aim to keep utilization below 30% (ideally under 10%) of your credit limit
- Make all payments on time - Set up payment reminders or automatic payments to avoid missed payments
- Limit new credit applications - Each hard inquiry can slightly lower your score for 12 months
- Maintain a mix of credit types - Having both revolving (credit cards) and installment (loans) credit can help
- Keep old accounts open - Length of credit history impacts 15% of your score
- Check for errors - Review your credit reports annually at AnnualCreditReport.com
Disclaimer: This credit score simulator is for educational purposes only. The results are estimates based on general credit scoring models and may not reflect your actual credit score changes. FICO® is a registered trademark of Fair Isaac Corporation. This tool is not affiliated with or endorsed by Fair Isaac Corporation. For specific advice about your credit situation, please consult a financial advisor.