Credit Score Simulator

Model the impact of your financial decisions on your credit health.

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Actions to Model

650Fair

Estimated Simulator Result

Base650
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How Credit Scores are Calculated

Payment history (35%) and credit utilization (30%) are the most significant factors. Even one missed payment can stay on your report for up to 7 years.

Pro Tip: Utilization

Keep your balances below 30% — or better yet, 10% — of your limits to boost your score.

Watch for Inquiries

Multiple hard inquiries in a short period can suggest high credit risk to lenders.