A free tool to simulate credit score changes and make smarter credit decisions.
Conservative estimates based on weighted credit factors. Real results may vary significantly based on individual credit bureau data.
Lenders use different versions of FICO and VantageScore models. Each model weighs data points like payment history and utilization differently, leading to varied results.
Credit bureaus may not receive updates from your creditors simultaneously. A payment made today might not reflect in your score for 30 to 45 days.
Credit factors don't exist in isolation. Improving your utilization while opening a new account creates a complex interaction that a single number cannot perfectly capture.
Keeping your credit card balances below 30% of your total limit is one of the fastest ways to maintain or improve your score range.
Consistent, on-time payments account for roughly 35% of your score. Even one late payment can stay on your report for up to seven years.
Each hard inquiry from a new application may temporarily lower your score. Avoid multiple applications in a short window unless rate shopping.
The simulator uses generalized credit scoring logic to provide educational estimates. It is not an exact mirror of any specific credit bureau's proprietary algorithm but serves as a highly reliable directional tool.
No. Using this simulator is a "soft" educational activity. We do not pull your actual credit report, and your interactions here are never reported to any credit agencies.
Because credit scores are dynamic and vary between different bureaus (Equifax, Experian, TransUnion) and different scoring models (FICO 8 vs FICO 9). A range provides a more realistic expectation of your standing.
Regular monitoring—at least once a month—is recommended to track progress and identify any unauthorized activity or errors on your report early.
Payment history is generally the most significant factor, followed closely by credit utilization. Maintaining a perfect payment record is the foundation of a high score.
Legitimate negative marks usually remain for 7-10 years. However, you can dispute inaccurate information directly with the credit bureaus to have it corrected or removed.