Simulate Your Credit Score


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Credit Card Applications » Credit Score Simulator


Find out how certain financial moves may change your credit score+

Tell your current
credit information
Select positive
or negative actions
See result
Your current total credit limit
on all credit accounts, $*:
Your current total balance
on all credit accounts, $*:
Please enter your current credit limit Your current total credit limit can't be more than $1,000,000
Please enter your current balance Your current total credit balance can't be more than $1,000,000
Your current credit score*:
NO CREDIT 350-639 640-699 700-749 750-850
Please enter your current credit score Please enter your correct current credit score (value in range 350-850 or 0 if you have no credit)
No Credit**
Don't know your credit score? Click here! * - marked fields are required to be filled
See what happens to your credit score if you...
Positive actions:
Negative actions:
Make on-time credit payments during 3 months or more (+100)
Get new credits (credit cards or installment loans)
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
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
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
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
Current Credit Score:
Fair Credit**
Simulated credit score:
Excellent Credit**
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.
Capital One®
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 for informational purposes only and it is not provided or sponsored by any of our partners. The results provided by this tool are hypothetical. 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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