Free Credit Score Simulator by CreditWise
Simulate your score
Explore the potential impact of your financial decisions before you make them, with CreditWise.
Stay ahead of score changes with our Credit Score Simulator
Use this interactive tool to test how different scenarios – like paying down your credit card balance – might affect your FICO Score 8.1 Knowing how certain actions could impact your score can help you establish, maintain and build credit for more financial stability.
HOW THE SIMULATOR WORKS
Test out financial decisions before you make them
Life is full of financial milestones. The Credit Score Simulator can help you approach them within insights in hand, so you can make more informed decisions based on your overall credit strategy. Here are some examples of the questions the Credit Score Simulator may be able to help you work through:
- Will adding an auto loan or mortgage change my credit score?
- How long will it take to rebuild my credit with a record of on-time payments?
- If I accept a credit limit increase, will it affect my credit score?
- How much impact will paying off some of my credit card debt have on my credit score?
- What would the impact to my credit score be if I get a new credit card?
MORE THAN A CREDIT ESTIMATOR
How the Credit Score Simulator estimates your score
CreditWise uses your existing TransUnion® credit report to assess how a new action may affect your FICO® Score 8. Factors that impact your score include on-time payment history, age of credit, how much credit line you're using and recent inquiries or applications.2
How the Credit Score Simulator calculates your score
The formulas for calculating credit scores by the three major bureaus are complicated and frequently changing. CreditWise uses your existing credit report to assess how a new action may affect your score. Factors that impact your score include on-time payment history, age of credit, how much credit line you're using and recent inquiries or applications.1
TRY OUT THE CREDITWISE CREDIT SCORE SIMULATOR
Sign up
Download the CreditWise app or sign up here for free. Capital One customers can sign in to access CreditWise as part their existing account.
Find the tool
Click on the "Credit Simulator" section on your home screen or look for the "Improve" section on the CreditWise app.
Choose an action
Pick an action to simulate from the menu. CreditWise will calculate a new potential FICO Score 8 based on what’s available to us from your TransUnion credit report.
More CreditWise Resources
Make the best credit decisions you can