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Credit Score Simulator
See how different actions stack up and affect your credit score.
Current Score
Simulated Score
620
Total Change
+0
Reset
300
Poor
Fair
Good
Excellent
850
+ Add Actions
Applied (0)
Negative Item Removed
A collection, late payment, or charge-off is removed from your report
+25
Pay Off Collection
Paying off a collection account
+10
Open New Credit Card
Hard inquiry + new account lowers average age temporarily
-5
Become Authorized User
Added as authorized user on old established account
+20
Lower Utilization to 30%
Reduce credit card balances to under 30% of limit
+15
Lower Utilization to 10%
Aggressively reduce balances to under 10% of limit
+20
Late Payment (30 days)
A single 30-day late payment on your report
-40
Hard Inquiry
New credit application creates a hard inquiry
-5
Close Credit Card
Closing an old credit card reduces available credit and account age
-15
Bankruptcy Removed
Bankruptcy falls off or is discharged
+50