Simulator
Estimate your score.
Adjust the factors below to see an estimated FICO-style score and what's driving it.
Your factors
28%
96%
6 yrs
5
2
1
Updates as you move the sliders
Derogatory items
Toggle items off to simulate what your score might look like if they were removed or disputed successfully.
No derogatory items loaded. Sign in and load your credit report, or add a hypothetical item above to play with the scenario.
Estimated score
695
Good
300850
Solid foundation. Focus on lowering utilization and clearing any derogatory marks.
- Payment history+89
Excellent — keep it up.
- Credit utilization+36
Try to get under 10%.
- Credit age-8
Keep older accounts open to age your file.
- Account mix+7
Healthy mix of accounts.
- New credit+14
Inquiries look fine.
- Derogatory marks-18
Disputing inaccurate marks can lift your score quickly.