FICO Algorithm

Credit Score Simulator

Thinking about applying for a new card? Worried about a late payment? Simulate how different financial actions will impact your credit score instantly.

1. Your Current Score

Base Credit Score680 (Good)

2. Action to Simulate

Pay Off All Credit Card DebtBecome an Authorized User (Good Account)Get a Credit Limit IncreaseApply for a New Credit CardMax Out Your Credit CardsMiss a Payment (30 Days Late)Account Sent to Collections

New Simulated Score

725

+45

Rating: Good

Why this happens

Payment utilization makes up 30% of your score. Paying balances to zero drops your utilization, providing a massive, immediate boost.

FICO Score Breakdown:

35% - Payment History (Lates hurt the most)
30% - Amounts Owed (Keep utilization below 10%)
15% - Length of Credit History
10% - New Credit (Hard inquiries)
10% - Credit Mix (Cards vs. Loans)

Read the Credit Building Guide

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