Credit Score Simulator

Payment history is 35% of your score. Consistent on-time payments are the single best thing you can do.

Payment History (35%)

A full year of perfect payments shows lenders you're reliable.

Payment History (35%)

Using less than 30% of your available credit signals you're not over-reliant on borrowing.

Credit Utilization (30%)

Under 10% is the sweet spot. Your score gets a significant boost.

Credit Utilization (30%)

Going from a balance to $0 on a card improves both utilization and payment history.

Credit Utilization (30%)

Their positive history gets added to your credit file. Only works if they have good credit.

Credit History Length (15%)

Average account age matters. A 5-year-old card helps more than a 6-month-old one.

Credit History Length (15%)

Products like KOHO or Refresh Financial report to credit bureaus and build your file from scratch.

Credit Mix (10%)

Having both revolving credit (cards) and installment loans (fixed payments) improves your credit mix.

Credit Mix (10%)

Errors are more common than you think. Removing one can instantly boost your score.

Payment History (35%)

Even one missed payment can drop your score significantly and stays on your report for 6 years.

Payment History (35%)

Using 100% of a card's limit signals financial stress. Your utilization skyrockets.

Credit Utilization (30%)

Reduces your average account age and total available credit. Double hit to your score.

Credit History Length (15%)

Each application triggers a hard inquiry. Multiple inquiries in a short period looks desperate to lenders.

New Credit Inquiries (10%)

A single hard inquiry typically drops your score by 5-10 points. It recovers within 3-6 months.

New Credit Inquiries (10%)

Unpaid bills sent to collections are devastating to your score. Stays on your report for 6-7 years.

Payment History (35%)

Some BNPL services now report to credit bureaus. Late payments can hurt your score.

Payment History (35%)