Free Credit Score Simulator by CreditWise

CreditWise takes the guesswork out of managing your credit.

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What Is a Credit Score Simulator?

The credit score simulator is an interactive online tool that allows you to test different scenarios to learn how an action—like paying a credit card balance late—might change your credit score.

Establishing and maintaining good credit is an important part of creating financial stability for you and your family. Not knowing how certain actions could affect your credit could prevent you from making good financial decisions.

When to Use the CreditWise Credit Score Simulator

Use the simulator to test financial decisions before you make them. Here are some scenarios to test with the Credit Score Simulator.

  • Will adding a car loan or a mortgage change your credit score?

  • How long does it take to rebuild your credit with a record of on-time payments?

  • If the spending limit on one of your credit cards changes, will that affect your score?

  • Which debt should I pay off first to have the biggest impact on my credit score?

  • How would my score change if I had to make a late payment?

  • What would the impact be to my score if I opened a new credit card?

Is the CreditWise Credit Score Simulator Accurate?

Unlike a credit score estimator, the CreditWise Credit Score Simulator has access to your real credit report, which means that its simulated scores are customized to your unique financial profile and are likely more accurate due to predictive modeling.

There is no guarantee the CreditWise simulation of your credit score will match exactly with what any particular bureau calculates. Even the most accurate credit simulator cannot predict what your actual credit score would be.

However, the CreditWise Credit Score Simulator is a good tool to use to see how different financial actions might influence your credit.

How Your Credit Score Is Calculated*

The credit score simulator calculates your possible credit score based on your existing credit report and the new actions, making the results more accurate and customized to your unique financial profile than a credit estimator—so you can make more informed financial decisions.

FACTORS that impact your credit score:

Your on-time payment history

Your age of your credit file

How much of your available credit lines you're using

Email Addresses

Recent inquiries and/or applications

*Using the CreditWise Simulator will not actually change your credit score. You do that by taking action--or not. The CreditWise Simulator simulates how your credit score could change and does not guarantee how your score may change

How to Access and Use the CreditWise Credit Score Simulator

Sign Up with
CreditWise

You can download the CreditWise app or sign up here —it's free.

Current Capital One customers can simply log into their existing online Capital One account to access CreditWise and use the Credit Score Simulator.

Click on Credit
Simulator

You can access the CreditWise Credit Score Simulator by clicking on the “Credit Simulator” section on your home screen or by navigating to “Improve” within the CreditWise app.

Pick What to
Simulate

Choose any of the actions from the menu and CreditWise will calculate a new simulated credit score to reflect the action you chose.*

*Using the CreditWise Simulator will not actually change your credit score. You do that by taking action--or not. The CreditWise Simulator simulates how your credit score could change and does not guarantee how your score may change

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