Credit Score Simulator
Enter a rough picture of your credit profile, then test what-if scenarios — paying down a card, opening new credit, a hard inquiry, a missed payment — and see the projected effect before you make the move.
What's driving this estimate
Your credit profile
What if...?
Pick a scenario to see how it would move your estimated score, before you actually do it.
Frequently asked questions
Is this my real FICO or VantageScore score?
No. This is an educational estimate built from the same publicly documented factors FICO and VantageScore use (payment history, utilization, length of history, credit mix, new credit). Your real score also depends on the exact algorithm version and lender-specific scorecards, which are proprietary.
Does this send my data anywhere?
No. Every calculation runs in your browser with plain JavaScript. Nothing you type is sent to a server, logged, or stored.
What single change helps my score the most?
For most people, lowering credit utilization (the balance-to-limit ratio) and avoiding late payments have the biggest, fastest impact. Try the paydown scenarios in the simulator to see the effect on your own numbers.