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Credit Score Impact Calculator

Estimate how a payment, utilization change, or new card affects your FICO.

Current Credit Score

New Utilization %

Recent Missed Payments

A 30-day late costs 60-100 pts; 90-day is devastating.

New Cards Opened (last 6mo)

Hard Inquiries (last 12mo)

Projected score: Good

698

Change-23 pts

From720

TierGood

Estimate only. FICO weights: payment history (35%), utilization (30%), age (15%), mix (10%), new credit (10%).