Cómo Funciona Este Simulador
Plan Moves Before Major Applications
Avoid Unexpected Score Damage
Stack Smarter Credit Strategies
Best Practices Before You Take Action
Related Credit Tools
We mirror FICO-style weighting: payment history (35%), credit utilization (30%), length of history (15%), new credit (10%), and credit mix (10%). Each simulation recalculates those components and projects a score range so you can make informed decisions before you apply, close, or miss a payment.
Run a pay-down scenario before applying for a mortgage or auto loan to see if dropping utilization pushes you into a higher tier.
Closing your oldest card or missing a payment can erase years of progress. The simulator shows you the likely hit before it happens.
Combine actions—like paying down debt and requesting a limit increase—to test which sequence gives you the biggest boost with the least risk.
- Pull your latest credit report so balances, limits, and late payments are up to date.
- Adjust scenarios for real-world assumptions (e.g., statement dates, credit limit approvals, lender reporting timelines).
- Log the results and revisit them after lenders report changes to compare projections against reality.
- Debt Payoff Calculator {' '} – Build the payoff plan that feeds directly into better credit utilization.
- Debt-to-Income Ratio Calculator {' '} – Check mortgage-readiness after you adjust balances.
- APR Reality Check {' '} – Translate credit card APRs into daily dollars so you know which balances to attack first.