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Credit Score Simulator
See how different factors impact your credit score with personalized recommendations
Credit Score Simulator
%
years
Projected Score
718
Good
Score Change
+38
From current score
Score Ranges
Exceptional:800-850
Very Good:740-799
Good:670-739
Fair:580-669
Poor:300-579
Credit Score Factors
Factor Breakdown
Payment History35%
Pay all bills on time for at least 6 months
Credit Utilization30%
Pay down balances to below 30% (currently 35%)
Credit History Length15%
Keep old accounts open to build history
New Credit10%
Good - minimal new inquiries
Credit Mix10%
Diversify with different credit types
Improvement Plan
Pay down credit cards to 30% utilization (reduce by $500)
Potential Increase: +55 pointsTimeline: 1-2 months
Make all payments on time
Potential Increase: +28 pointsTimeline: 6-12 months