Your Current Situation

Current Credit Score

Current Credit Utilization %

Simulate Actions

Pay Down Credit Card Debt

Reduce your credit utilization by paying down balances

New utilization %:

Open a New Credit Card

New hard inquiry + new account (short-term dip, long-term gain)

Close an Old Credit Card

May reduce credit history length and increase utilization

Miss a Payment (30+ days late)

Late payments have significant negative impact

Become Authorized User

Get added to someone else's credit card with good history

Remove Error from Report

Successfully dispute and remove a negative item

650

Estimated Score

No change

Fair

Select actions above to see their estimated impact

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