Free Tool

Credit Score Simulator

See how your choices change your score. Adjust the sliders to model real moves — paying down a card, opening new credit, or missing a payment — and watch your estimated FICO range respond in real time.

On-time payment history100%
The single biggest factor. Every late payment hurts — 30+ days late stays on your report for 7 years.
Credit card utilization10%
Total balances ÷ total limits. Under 10% is best; over 30% starts to hurt; over 50% hurts a lot.
Age of oldest account8 yrs
Older is better. Closing old cards shortens your average age and can drop your score.
Recent hard inquiries1
Each application for credit adds one. A few is fine; many in a short window signals risk.
Credit mixGood
A blend of revolving (cards) and installment (auto, mortgage, loans) managed responsibly helps.
Estimate only. This simulator is an educational tool, not your actual FICO score and not a guarantee. Real FICO scores weigh many more variables. For your real score and a plan to improve it, book a free consultation.
Estimated FICO range
760
745–775
Excellent
300580670740800850
Score factors
Payment history
Excellent
Amounts owed
Excellent
Credit age
Good
New credit
Good
Credit mix
Good

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