Credit Score Simulator

Simulate how actions affect your credit score.

35% weight
30% weight (lower is better)
15% weight
10% weight
Estimated Credit Score
506
Very Poor

How to Do It Manually

Credit scores are affected by payment history (35%), amounts owed (30%), length of history (15%), credit mix (10%), and new inquiries (10%). Simulate changes to see score impacts.

Credit Score Impact = 35% payment history + 30% utilization + 15% age + 10% mix + 10% new inquiries
  1. Enter your current credit information.
  2. Simulate a change (e.g., pay off a card, miss a payment, open a new account).
  3. See estimated score change.

Frequently Asked Questions

How long does negative information stay on my credit report?

Late payments: 7 years, Bankruptcy: 7–10 years, Hard inquiries: 2 years.

What's a good credit score?

Excellent: 750+, Good: 670–749, Fair: 580–669, Poor: <580.