Credit Score Simulator

See how paying down balances, removing negative items, or opening new credit could affect your credit score.

Explore credit scenarios

A simulator illustrates how changes such as lower utilization or new credit might affect a score. An estimate is not a lender decision or a guaranteed score.

Models and reports differ

Different scoring models, bureau data, and update dates can produce different scores. Use scenarios for education rather than as a promise of an exact outcome.