Credit Score Simulator
How specific credit actions would move your score before you take them: paying cards down, opening an account, a hard inquiry, a late payment or a collection, each as a range scaled to where your score starts.
Step 3 of 5 in the Credit Hub. Your answers carry across every step.See the full path
Your starting position
300 (Poor)850 (Exceptional)
0%100% (maxed)
Total card balances divided by total card limits. This matters: paying down a maxed-out file is worth several times what the same cut is worth on a file already under 30%.
What-if scenarios
Toggle scenarios to see their estimated impact.
Your current score
700of 850Good
300580670740800850
Poor300 to 579
Fair580 to 669
Good670 to 739
Very Good740 to 799
Exceptional800 to 850
Estimated result
- Estimated range
- 700
- Change
- No change selected
These are educational ranges, not predictions. Real scoring models are proprietary and weigh your entire file, so the same action moves two people by very different amounts: a late payment costs a clean file far more than one that already carries a delinquency. Actual scores vary by bureau and by model, and mortgage lenders pull older models than the score you see for free. This tool does not access your credit report.
Save results
How this is calculated
We estimate how common actions (paying down balances, a late payment, a new account, a hard inquiry) would move your FICO score.
The steps
- Start from your current score.
- Apply directional point changes for each action — utilization changes, late payments, new accounts, inquiries, collections.
- Clamp the result to the 300–850 range and estimate recovery time for negatives.
Assumptions
- Generalized FICO behavior — payment history and utilization dominate.
Good to know
- Estimates only; real scores depend on your full file and the exact model used.
Need more than a quick fix? Follow a week-by-week plan to a mortgage-ready score.
The Credit Roadmap turns ten answers into a 8 to 36 week program: disputes, utilization, collections and new accounts, tracked weekly. Free, without an account.
Related resources
Educational disclaimer. Everything on WealthSerene.com is educational and is not investment advice. Projections and calculations are illustrative; actual results depend on market conditions, your situation and factors outside this tool’s scope. For a decision specific to your situation, consult a qualified financial professional. View full disclosures