📊 FICO Score
Credit Score Simulator
How will your actions affect your credit score?
📊 Your Credit Profile
📊 Your New Score
Current
After Action
Change
📋 Utilization Impact
Current utilization
After utilization
Lower utilization = higher score. Aim for under 30%, ideally under 10%.
💡 What This Means
📌 5 Credit Score Tips
- ✓ Pay on time, every time — payment history is 35% of your FICO score. One missed payment can drop your score 60-110 points.
- ✓ Keep utilization under 30% — using less than 30% of your credit limits signals you're not overextended. Under 10% is optimal.
- ✓ Don't close old cards — age of credit history is 15% of your score. Keep your oldest accounts open, even if you don't use them.
- ✓ Limit new applications — each application triggers a hard inquiry (5-10 point drop). Space applications 6+ months apart.
- ✓ Monitor your credit report — check annualcreditreport.com (free). Dispute any errors — 1 in 5 reports have mistakes.
Disclaimer: This simulator uses simplified FICO score factors (payment history 35%, utilization 30%, length of history 15%, credit mix 10%, new credit 10%). Actual FICO scores depend on your specific credit history, scoring model (FICO 8 vs 9), and bureau (Equifax, Experian, TransUnion). For personalized advice, consult a credit counselor.