Simulate Your Credit Score
Enter your current credit profile and simulate different actions to see how they might affect your credit score. This tool provides estimates based on common credit scoring factors.
Current Credit Profile
%
Percentage of available credit you're using
Total number of credit accounts
Hard inquiries in last 2 years
years
Average age of all credit accounts
Simulate Actions
Score Estimate
Current Score
700
Good
Estimated Score
700
Good
Score Change
+0
Score improvement
Credit Score Improvement Tips
- Keep credit utilization below 30% (ideally under 10%)
- Always pay bills on time - payment history is 35% of your score
- Don't close old credit accounts - they help your credit history length
- Limit hard inquiries - too many in a short time can hurt your score
- Maintain a mix of credit types (credit cards, loans, etc.)
- Dispute any errors on your credit report
- Keep old accounts open to maintain longer credit history
