Positive Actions
Pay down credit card to 30% utilization
Reducing your utilization from high to 30% can boost your score.
points
Pay down credit card to under 10% utilization
Getting utilization under 10% is considered excellent.
points
Become an authorized user on old account
Being added to a family member's old card with good history.
points
Remove incorrect negative item via dispute
Successfully disputing an error can significantly help.
points
Open a credit builder loan
Adding installment credit to your mix.
points
6 months of on-time payments
Consistent payment history builds your score.
points
Negative Actions (Avoid These)
Apply for new credit (hard inquiry)
Each hard inquiry temporarily lowers your score.
points
Max out a credit card
High utilization significantly hurts your score.
points
Miss a payment (30+ days late)
Late payments are very damaging to your score.
points
Close your oldest credit card
Reduces average age of accounts and available credit.
points
Account sent to collections
Collections are severely damaging.
points
Disclaimer
This simulator provides estimates based on general credit scoring factors. Actual score changes depend on your complete credit profile and the specific scoring model used. Results are for educational purposes only.
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