Interactive tool
Credit Score Simulator
See which way a money move is likely to push your credit, how soon, and why. Directional estimates, never a predicted number.
Where you stand
Add your score and utilization to begin.
The tool reads those two numbers to point you at the factor most worth your attention.
Direction only: which way each factor pushes your score, not a predicted number.
Pick a what-if on the left to see its direction, timing, and the reason behind it.
Timing