Score Simulator

Score Simulator helps you take the guesswork out of credit score changes. See how your credit score would change based on a variety of different future actions or events that pertain to you.

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You do not have a credit history or you do not have enough of a credit to be scored. are new to the credit system.
Getting or Closing a Credit Card or Loan

Get a new loan or credit card

Simulate getting a loan added to your account.

Close your oldest credit card

Simulate the impact of closing your oldest credit card.
Payments and Outstanding Balances

Pay the outstanding balance on your credit cards

Simulate how your score will change if you pay your credit cards.

Late payments on all your active accounts

Simulate how your score would change if you had payments past due on all your active accounts.

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Score Simulator will allow you to see the impact of changes on your credit score. For example:

  • How would adding a new credit card impact your score?
  • What would happen to my score if I pay the balance on all of my credit cards or if I'm late on my payments?