Credit Score Simulator
Instantly see how your credit score could change based on your actions. Adjust the sliders to simulate real-life scenarios and get actionable tips to improve your score.
- Payment History: 35% – Most important factor. Always pay on time.
- Credit Utilization: 30% – Keep balances low relative to limits.
- Age of Accounts: 15% – Older is better. Avoid closing old accounts.
- Credit Mix: 10% – A variety of account types helps.
- New Credit: 10% – Too many new accounts can hurt.
- Derogatory Marks: Major negative impact. Avoid at all costs.
- Always pay bills on time
- Keep credit utilization below 30%
- Don't close old accounts unless necessary
- Limit new credit applications
- Check your credit report for errors
- Build a mix of credit types over time
Credit Karma
Free credit score & monitoring
Free access to TransUnion and Equifax credit scores
Credit monitoring with alerts for important changes
Personalized recommendations to improve your score
No credit card required
Credit Sesame
Credit score & identity protection
Free access to your TransUnion credit score
Free identity theft protection up to $50,000
Personalized suggestions to improve your score
No impact on your credit score
More Financing Options
Experian
Boost your score
myFICO
FICO® Score access
Self
Credit builder loans
Lexington Law
Credit repair
Debt Payoff Calculator
Create a plan to pay off credit card debt and improve your score faster.
Credit Utilization Calculator
Find your optimal credit card usage to maximize your credit score.
Credit Building Guide
Learn effective strategies to build credit from scratch or after negative events.
Credit Dispute Process
How to identify and dispute errors on your credit report to improve your score.