Simulator

Credit Score Builder

Move each slider and watch your estimated score react. This is a teaching model — real scores are more nuanced, but the ratios match FICO weights.

On-time payment rate35%

100%

Pay every bill by the due date. This factor alone is over a third of your score.

Credit utilization30%

10%

% of your credit limit you're using. Under 10% is best.

Credit history length15%

3 yr

Time you've had credit. Only fix is patience — start early.

Credit mix (types of accounts)10%

Mix of card + loan looks better than just card.

New accounts (last 12mo)10%

Too many new applications looks risky.

730

Good

100% on-time payments

Utilization under 10%

3+ years of history

Few new applications