Credit Score Simulator
Estimate your credit score range and see how different actions could affect it.
Late payments in the last 2 years
In the last 2 years
Your estimated range
778 – 808
Pay Off All Balances
Reduce credit utilization to 0%
Open a New Credit Card
Adds a hard inquiry and lowers average account age
Miss a Payment
One 30-day late payment reported
Lower Utilization Below 10%
Pay down balances to under 10% utilization
How Credit Scores Work
Your credit score is calculated from five main factors: payment history (35%), credit utilization (30%), credit age (15%), credit mix (10%), and new credit (10%).
This is an estimate: Actual credit scores depend on your full credit history and the specific scoring model used. Use this as a general guide, not an exact prediction.
Best ways to improve: Always pay on time, keep utilization low, avoid opening too many new accounts at once, and let your accounts age.