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Make on-time credit payments during 3 months or more (+100)
Get new credits (credit cards or installment loans) (+50)
Number of cards or loans:
Credit limit on new cards and loans, $:
Please enter credit limit
Your new credit limit can't be more than $100,000
Raise credit limit on existing accounts (+55)
How much are you going to raise your limit, $:
Please enter your credit limit increase
Your credit limit raise can't be more than $100,000
Miss a payment on any credit account (-100)
Declare bankruptcy (-160)
Have liens, foreclosures or judgments (-160)
Have defaulted loans (-80)
Use more of your available credit limit (-55)
How much are you going to spend, $:
Please enter your future spendings
Your spendings can't be more than $100,000
Close an old account (-105)
What is a limit of a closed account, $:
Please enter an account limit
The limit of closed accounts can't be more than your current total credit limit
Pay off all balances in full (-30)
Current Credit Score:
Simulated credit score:
You should get discharge from bankruptcy.
Since you declared a bankruptcy you should discharge it and then rebuild your credit history.
You should settle liens, foreclosures or judgments you have.
All liens, foreclosures or judgments should be settled. Then you can call credit bureaus and ask to remove records about liens, foreclosures or judgments from your credit reports.
You should make on-time payments on all your credit accounts for at least 6 months in a row.
We also recommend you to get a secured credit card to rebuild your credit history:
You should decrease debt-to-credit ratio.
It is recommended not to spend more than 30% of your credit limit. Your debt-to-credit ratio is 300%.
To decrease your debt-to-credit ratio you can increase your credit limit by applying for a new credit card.
You are on the right track!
Continue making on-time payments and don't spend more than 30% of your available credit limit.
Also you can improve your credit score even faster if you apply for one more credit card.
BEST CHOICE FOR YOU
Capital One® QuicksilverOne® Cash Rewards Credit Card
** Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for.
However, credit score alone does not guarantee or imply approval for any credit product. In this tool we use FICO scoring system and principles to simulate credit score.
The simulated credit score is only estimation of your real possible credit score value and may differ from it.
+ The tool is designed by Credit-Land.com for informational purposes only and it is not provided or sponsored by any of our partners. The results provided by this tool are hypothetical. Credit-Land.com is not responsible for the consequences of any decisions or actions taken in reliance upon or as a result of the information provided by its tools.
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