Credit Score Improvement & Impact Simulator
Estimate how specific actions — paying down balances, closing cards, opening a new account, or adding a late payment — will move your FICO / VantageScore.
Result
- Current utilisation
- 30.00%
- New utilisation after action
- 15.00%
- Estimated score change
- +18 points
- Projected new score
- 698 (Good)
- Timeline
- 1–2 statement cycles