Credit Score Simulator
Credit Score Simulator
650
Good
300
850
Current Credit Profile
Your Current Credit Score
Length of Credit History
Less than 1 year
1-3 years
4-7 years
8+ years
Payment History
Add Late Payments
No late payments
30 days late (one payment)
60 days late (one payment)
90+ days late (one payment)
Multiple late payments
Add On-Time Payments
No change
3 months of on-time payments
6 months of on-time payments
12+ months of on-time payments
Credit Utilization
Credit Card Utilization Rate
0% (no balance)
1-10% (optimal)
11-30% (good)
31-50% (moderate)
51-75% (high)
76-100% (very high)
Pay Down Card Balance
No change
Reduce balance by 25%
Reduce balance by 50%
Pay off full balance
Credit Applications
New Credit Applications
None
1 application
2 applications
3+ applications
Open New Credit Account
No new accounts
New credit card
New
loan
(auto, personal, etc.)
New
mortgage
Negative Items
Collections or Charge-offs
None
Add new collection account
Pay off existing collection
Remove collection from report
Public Records
None
Add bankruptcy/foreclosure
Remove public record (7+ years old)
Simulate Credit Score Changes
Potential Impact on Your Credit Score
Tips to Improve Your Score
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Yendo
Credit Builder
Build credit history with no credit check. Perfect for those with limited or damaged credit.
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