ð Credit Score Simulator

See how financial decisions impact your FICOÂ® credit score in real time

680

Estimated FICOÂ® Score

Good

Poor
300Fair
580Good
670Very Good
740Excellent
850

Your Credit Profile

Payment History (35%)

On-time payments in last 2 years

22/24

Missed/late payments in last 2 years

Derogatory marks (collections, bankruptcies)

Credit Utilization (30%)

Total credit limit ($)

$20K

Total balance owed ($)

$4,000

Credit Age (15%)

Average age of accounts (years)

5 yrs

Credit Mix & New Credit (20%)

Number of credit card accounts

Number of loans (auto, mortgage, student)

Hard inquiries in last 12 months

See the estimated impact of each action on your current score: