Credit Score Simulator

See how paying down balances, adding tradelines, or removing negative items could move your score.

Your Current Credit Profile

Current credit score 650

Total credit card balances ($) $4,000

Total credit limits ($) $8,000

Open credit accounts / tradelines 2

Negative items (collections, charge-offs) 1

Hard inquiries in last 12 months 1

Actions To Simulate

Pay balances down to 30% utilization Pay balances down to 10% utilization Pay balances down to 1% utilization Add 1 authorized-user tradeline Add 2 authorized-user tradelines Remove 1 negative item (dispute win) Remove all negative items 6 months of on-time payments, no new inquiries Wait 12 months (inquiries age off)

Projected Result

650

Current Score

→

650

Projected Score

+0 points

Get My Personalized Credit Plan

This tool provides an educational estimate based on general credit-scoring factor patterns (payment history, utilization, length of history, new credit, and credit mix). It is not connected to Equifax, Experian, TransUnion, FICO, or VantageScore, does not use your real credit report, and is not a guarantee of any score change. Actual results vary by individual credit file.