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Credit score simulator
See which habits move a score the most, and where your effort actually pays off.
Score model
Built from FICO's published category weights, not FICO's algorithm — that one is proprietary and nobody can reproduce it. Use this to compare LEVERS, not to predict your number.
The heaviest factor at 35%.
30%. The fastest one to change — it resets each statement.
15%. Only time fixes this, which is why closing old cards hurts.
10%. Cards, an auto loan, a mortgage — variety helps a little.
10%. Fewer is better.
Collections, charge-offs, late payments on record.
Good range. A model of the levers — not your real score.
Your biggest lever
On this model, getting utilisation to 10% is worth about +17 points — more than any other single change available to you.
Utilisation is the one you can change this month. Work out exactly what to pay down.