Credit Score Simulator

Simulate and calculate your credit score, understand influencing factors and improvement suggestions

Input Information

Credit History Length

Payment History

Credit Utilization Rate

Number of Credit Cards

Recent Credit Inquiries

Loan Situation

Income Level

Employment Status

Credit Mix Diversity

Average Account Age

Public Records

Credit Score Result

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Start Simulating Your Credit Score

Please fill in your credit information on the left and click the calculate button to see your simulated credit score and improvement suggestions

What is a Credit Score Simulator?

Importance of Credit Score

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Affects loan approval and interest rates
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Affects credit card application and limit
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Affects rental and insurance rates
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Reflects personal credit status

Factors Affecting Credit Score

1
Payment History (35%)
Timely payments have the biggest impact on credit score
2
Credit History Length (15%)
Longer credit history helps improve score
3
Credit Utilization Rate (30%)
Recommended to keep below 30%
4
New Credit and Inquiries (10%)
Too many inquiries can temporarily lower score
5
Credit Mix (10%)
Different types of credit help improve score