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Stay ahead of your score changes with our Credit Score Simulator

Simulating a credit score is a painless way to see how these or those financial decisions can affect your credit score. Simulate different scenarios, find smart bypasses, and secure better financial future.
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1. Select your current credit history*

2. Credit limit and balance*

3. Choose financial actions

Open or close credit account

Change how you use your card

Change my payment habits

Get new negative marks

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The power of prediction:
3 reasons WHY CREDIT SCORE
FORECASTING MATTERS

Better financial planning
Better financial planning

Credit score forecast and simulation tools can help you estimate how your credit score may change based on the different actions. For example, you can see how your score will be affected by paying off a personal loan, opening a new credit account, or making a large purchase that will increase your credit card balance. Based on predictions, you can prepare for future changes to mitigate the impact. Score simulator tools can help you plan ahead and make informed decisions about your credit management.

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Minimize risks
Minimize risks

When a score simulator predicts a potential drop in scores, you can take actions to minimize the impact. For example, if you've recently opened a new credit account, you may want to wait a bit before opening another one. Building up a history of on-time credit payments should minimize the impact from opening a new account. Or you have several missed payments, which is already bad, you can see what further harm can be done to your score if you continue being late. You can act proactively, though, and try to solve the issue with the bank to avoid penalty rates and fees.

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Track your progress
Track your progress

Use tools to monitor your credit score and be one step ahead of possible changes to it. You can also simulate positive action that may improve your credit score, set goals and follow them. Taking action to improve your credit score by following some plan, such as always being on time, pay more than just a minimum, avoid late payments, is mush easier. You can also take advantage of some strategies that can boost your credit score in short term, such as a credit limit increase or disputing errors on your credit reports. Just make sure you always track your progress to be able to act promptly when something goes wrong.

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questionsABOUT
CREDIT CARDS

How to get the best credit card?

With the credit card issuers coming up with newer plans and strategies every passing day, there is no dearth of good deals in the market today. But not all deals are suitable for all customers. There are many factors...

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Are there any cards available to Canadians?

We can recommend you consider Canadian credit card offers from our partners. The best credit cards in Canada offer great rewards, travel and purchase insurance, a welcome bonus, or other perks. So make sure you choose...

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How do store credit cards work?

Store credit cards, also known as retail credit cards, are credit accounts that are offered by retailers together with credit card issuing companies. Their usage is usually limited to the issuing...

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NOT SURE WHICH CARD TO CHOOSE?

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Updated: July 10, 2025

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