Credit Score Simulator

See how different financial actions could impact your credit score. Make smarter decisions to improve your credit faster.

1 Your Current Credit Profile
680
2 Actions You're Considering
Pay off 50% of credit card debt
Reduce your credit utilization significantly
+20 to +40
Pay off all credit card debt
Get utilization to 0% (best for score)
+30 to +60
Open a new credit card
Hard inquiry + new account (short-term dip, long-term gain)
-5 to +15
Close a credit card
Reduces available credit, increases utilization
-10 to -30
Dispute an error on credit report
Remove inaccurate negative items
+10 to +100
Become an authorized user
Inherit positive history from someone else's card
+10 to +50
Your Projected Score
Current Score
680
Good
Projected Score
720
Good
+40 points

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