Personal Credit Reports and Scores

Credit Score Simulator

CHOOSE A PROFILE

Select the score most similar to your own

GOOD SCORE: 750

FAIR SCORE: 650

POOR SCORE: 525

Select the credit score option listed above that most closely matches your own current credit score. Your choice will be used in the simulation to show how a representative credit score is impacted by changes to credit data. Scores range from 300 to 850.
The credit score simulator is intended as an educational tool only that simulates how certain factors may affect a representative credit score. The simulated scores shown are not based on the user's actual credit data or credit score.The example results are not applicable to the user's actual credit situation and should not be relied upon in any manner. Note that each simulation changes only one factor affecting a representative credit score and keeps all other factors unchanged. Actual credit scores are calculated from many different factors and the effect of any such factors varies from person to person.


ADJUST SCENARIOS

Simulate increasing credit card debt

Having a healthy level of credit card debt is a key element of your credit score. When you increase your credit card debt, your credit score may decrease. Large amounts of debt signal to creditors that you may be spending more than you could potentially repay.

Increase debt by:

Original Score:


Changes By:

Score Estimate:

Simulate decreasing credit card debt

Reducing your debts is often a good way to improve your credit score. Plus, reducing your debts saves you money on interest along with improving your score.

Decrease debt by:

Original Score:


Changes By:

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Simulate making on-time payments to all accounts

Paying your bills on time is one of the most important things you can do to keep your credit healthy. Lenders and creditors like to see that you are using your accounts responsibly over a long period of time. Your credit report tracks the payment history of your credit card and loan accounts--utility accounts and rent payments aren't recorded.

Make Payments for:

Original Score:


Changes By:

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Simulate opening a new credit card

Opening a new credit card can change your credit score differently based on where you stand. If you already have multiple credit cards, opening a new account could cause your score to decrease. If you have only a few credit cards, opening a new account could cause your score to improve.

Card Limit:

Original Score:


Changes By:

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Simulate non-payment

When you don't pay your accounts on time, your credit score will decrease. More seriously, negative records such as bankruptcy and collections accounts can harm your credit score for 7-10 years.

Miss most recent payment on one account.
Declare Bankruptcy.
Collection account added to your report.

Original Score:


Changes By:

Score Estimate: