Credit Score Simulator
Understand how your financial decisions affect your creditworthiness. Simulate different scenarios to see potential changes to your credit score.
What Makes Up Your Credit Score?
Your FICO® Score is calculated based on five main categories of data from your credit report. Understanding these weightings helps you prioritize your financial habits.
Payment History (35%)
The most critical factor. Even one payment that is 30 days late can drop a good score significantly. Consistent, on-time payments are the foundation of healthy credit.
Amounts Owed (30%)
Often referred to as Credit Utilization. It measures how much debt you carry compared to your credit limits. Keeping this ratio below 10-30% demonstrates responsible credit management.
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