Credit Score
Credit health monitoring and optimization
Credit Score Analysis
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Credit Score
Rating
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Percentile
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Profile Information
Simulate Actions
Credit Score Simulator
Payment History (35% of Score)
Pay all bills on time
+5
Set up autopay for all accounts
+8
Miss payment by < 30 days
-50
Miss payment by 30-60 days
-75
Miss payment by 90+ days
-100
Pay off collection account
+25
Make partial payment
-15
Set up payment reminders
+3
Enter debt management plan
+10
File bankruptcy
-200
Account charged off
-150
Settle debt for less
-70
Complete credit counseling
+5
Credit Utilization (30% of Score)
Pay down to 0-10% utilization
+25
Maintain 11-30% utilization
+15
Increase to 31-50% utilization
-20
Increase to 51-75% utilization
-40
Max out credit cards (>75%)
-60
Request credit limit increase
+10
Balance transfer to 0%
+15
Pay off credit card fully
+30
Pay multiple times monthly
+8
Request credit line increase
+12
Close unused credit card
-15
Add authorized user
-5
Report utility payments
+5
Consolidate card debt
+20
Length of Credit History (15% of Score)
Keep oldest account active
+5
Close newest account
-5
Close oldest account
-25
Become authorized user (old card)
+15
Reactivate dormant account
+10
Remove authorized user status
-10
Maintain 2+ year old account
+10
Keep credit age mix diverse
+8
Open new credit line
-8
Convert to different card type
0
Upgrade existing card
+3
Remove closed account
-5
Credit Mix (10% of Score)
Open new credit card
-5
Open personal loan
-5
Open auto loan
-5
Open mortgage
-5
Convert card to secured
+5
Open store credit card
-5
Maintain diverse portfolio
+15
Pay off and close loan
-10
Open business credit card
-5
Get secured credit card
0
Open student loan
-5
Get credit-builder loan
0
Open HELOC
-5
New Credit (10% of Score)
Hard inquiry
-5
Multiple inquiries 14 days
-5
Rate shopping (mortgage)
-3
Remove expired inquiry
+5
Dispute incorrect inquiry
+7
Apply for credit limit increase
-3
Wait 6 months no new credit
+10
Credit builder loan
-3
Pre-qualification check
0
Apply for business credit
-5
Request CLI soft pull
0
Multiple cards same day
-8
Credit Monitoring & Maintenance
Dispute error on report
+25
Add fraud alert
0
Credit freeze/unfreeze
0
Remove authorized user
-5
Update personal information
0
Request goodwill deletion
+20
Remove dormant account
-5
Identity theft recovery
+30
Set up credit monitoring
0
Add security freeze
0
Dispute hard inquiry
+5
Fix name/address errors
0
Remove duplicate accounts
+5
Add fraud victim statement
0
Credit Building Strategies
Open secured card
-3
Start credit-builder loan
-3
Report rent payments
+5
Report utility payments
+5
Become authorized user
+15
Open store card (secured)
-3
Complete financial course
0
Join lending circle
+5
Open second secured card
-3
Graduate to unsecured card
+10
Recovery Actions
Debt validation letter
0
Negotiate settlement
-40
Payment plan arrangement
+5
Remove paid collection
+25
Dispute obsolete item
+15
Write goodwill letter
+20
Update settled status
+10
Remove duplicate debt
+25
Special Circumstances
Military active duty alert
0
Natural disaster notice
0
Medical debt removal
+40
Student loan deferment
0
Divorce decree update
0
Identity theft recovery
+30
Cosigner release
0
Death notice removal
0
Long-term Strategies
Maintain perfect payments
+50
Keep utilization under 10%
+40
Age accounts naturally
+30
Regular limit increases
+25
Maintain credit mix
+20
Annual report review
+5
Keep old accounts active
+15
Regular account audits
+5
Digital & Alternative Credit
Add Experian Boost
+10
Report rent (digital)
+5
UltraFICO™ opt-in
+15
Link bank account
+5
Subscribe score monitoring
0
Use credit monitoring app
0
Enable push alerts
0
Link financial apps
0