Credit Score Simulator
See how different factors affect your credit score and learn what actions can help improve it.
Credit Profile
Range: 300-850
Percentage of payments made on time (35% of score)
Percentage of available credit being used (30% of score)
Average age of all credit accounts (15% of score)
Number of new accounts opened in last 2 years (10% of score)
Variety of credit account types (10% of score)
Credit Score Analysis
Credit Score Improvement Tips
Pay Bills On Time
Payment history is the most important factor. Set up automatic payments to never miss a due date.
Lower Credit Utilization
Keep credit card balances below 30% of limits, ideally under 10% for the best scores.
Keep Old Accounts Open
Don't close old credit cards as they help maintain a longer average account age.
Limit New Credit
Avoid opening multiple new accounts in a short period as this can lower your score temporarily.
Monitor Your Credit
Check your credit reports regularly for errors and dispute any inaccuracies you find.
Diversify Credit Types
Having a mix of credit cards, loans, and mortgages can positively impact your score.