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Credit Score Simulator
See how financial decisions impact your score in real-time
680
Simulated Score
+0 points from current
Based on FICO® Score 8 methodology
This is an educational estimate only. Your actual credit score may vary based on complete credit report data and the specific scoring model used by lenders.
Click "Calculate Score" to see your results
Quick Scenarios
See how common actions affect your score
Understanding Your Score
Credit Score Ranges
800-850 Excellent
740-799 Very Good
670-739 Good
580-669 Fair
300-579 Poor
Quick Tips
- Payment history has the biggest impact - never miss a payment
- Keep credit utilization under 30%, ideally under 10%
- Don't close old cards - they help your credit age
- Space out credit applications by at least 6 months
- Mix different types of credit for a better score
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