Credit Score Simulator
Explore a credit-card scenario, not your actual credit score.
FICO® score factors
General-population categories published by FICO. Their importance varies by profile. These percentages do not describe the formula used below.
- 35% Payment historyHow accounts have been paid.
- 30% Amounts owedIncludes debt and use of available credit, not utilization alone.
- 15% Length of credit historyIncludes oldest, newest and average account age.
- 10% New creditRecent account openings and credit inquiries.
- 10% Credit mixTypes of credit accounts; one of every type is not required.
Your example scenario
Use hypothetical whole numbers. The default values are examples, not recommended targets.
The calculator handles these values in this page only. It does not send them to a bank, save them in browser storage or retrieve your credit report.
Illustrative model output
This interval is a display convention (model result ±12), not a confidence interval or a predicted FICO score.
JavaScript is required to update this scenario. No model output is available while it is disabled.
The displayed ratio exceeds 100%; the existing teaching formula caps its internal input at 100%.
How to read this scenario
- JavaScript is required to update this scenario. No model output is available while it is disabled.
Model limits
Caylet's existing formula uses a fixed starting value and simple adjustments. It is not an official or validated scoring model and omits many credit-report details. Its numerical cap is a programming choice, not an ITIN or nonresident rule. Do not use the output for borrowing decisions. Issuers assess applications independently; this tool provides no financial, investment or legal advice.