Configure Inputs

Current Credit Profile

$20.00K
$
$1.00K$100.00K
$6.00K
$
$0.00$20.00K
95%
%
50100
5
020
1
010
3
15

Scenario Testing

$2.00K
$
$0.00$6.00K
$5.00K
$
$0.00$20.00K

Estimated FICO Score

719

👍 Good

Credit Score Range

Credit Utilization

30.0%

⚠️ Fair

Scenario Impacts

Pay Off $2,000

Reduces utilization to 20.0%

+28

New: 747

Open New $5,000 Card

Lowers utilization, adds inquiry

+17

New: 736

6 Months Perfect Payments

Improves history & ages accounts

+19

New: 738

Top Recommendations

Set Up Autopay

Critical Priority

+10-40

FICO Score Composition

Payment History35%

95% on-time

Credit Utilization30%

30.0%

Length of Credit History15%

5 years avg

New Credit Inquiries10%

1 inquiries

Credit Mix10%

3 account types

Deep Dive & FAQ

Simulating Your Credit Future

Your credit score impacts everything from mortgage rates to insurance premiums. See how paying down debt or opening new credit accounts might influence your score over time.