Credit Score Simulator

35% of your score

Payment History

A single missed payment can drop a good score 60–110 points. On-time payments for 12+ months begin meaningful recovery. A late payment becomes far less damaging after 24 months.

30% of your score

Amounts Owed (Utilization)

Utilization below 10% is optimal. Every 10-point reduction from high levels can mean 10–20+ points. Pay before your statement closing date — that's when balances get reported.

15% of your score

Length of Credit History

Closing your oldest account can noticeably reduce your average account age. Even closed accounts remain on your report for 10 years and continue contributing to age.

10% of your score

Credit Mix

Having both revolving (credit cards) and installment (auto, mortgage) accounts shows lenders you can manage different types of credit. A single card and an installment loan is sufficient.

10% of your score

New Credit (Inquiries)

Hard inquiries typically reduce scores 3–5 points each. They stop counting after 12 months and fall off your report after 24. Rate shopping (mortgage/auto) within 45 days counts as one inquiry.

Quick wins

Fastest Score Improvements

• Pay down utilization below 10%
• Dispute and remove inaccurate negatives
• Ask for goodwill removal of one-off lates
• Become an authorized user on an old account
• Never miss another payment